vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-01 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: CA

Complaint narrative:
I am writing to dispute the inaccurate address information currently reported on my credit report. Upon reviewing my credit report, I noticed that there is an incorrect address listed which I have never resided at or used in any capacity. 

The incorrect address is as follows : Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX The correct address should be : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, CA XXXX This erroneous address information is not only inaccurate but could potentially impact my creditworthiness and cause confusion in my credit file. I request that Equifax promptly investigates this matter and corrects or removes the incorrect address from my credit report. 

Enclosed, you will find copies of documents that verify my correct address : A copy of my driver 's license showing my correct address. 
A recent utility bill ( or bank statement ) with my correct address. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and correct any information found to be inaccurate within 30 days of receiving this letter. Please confirm in writing once the investigation is completed and the incorrect address has been removed from my credit report. Additionally, I request that you send me an updated copy of my credit report reflecting the correction. 

If you need any further information or documentation from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: GA

Complaint narrative:
I want all these hard inquiries removed from my credit report because I didnt authorize these companies to run my credit report which is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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:
I want all these hard inquiries removed from my credit report because I didnt authorize these companies to run my credit report which is fraudulent.

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 2024-06-01 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:
On XX/XX/year> the following accounts were disputed per USC 1681B and XXXX XXXX Disputed XXXX XXXX charged off Account XXXX Disputed XXXX XXXX charged off Account XXXX Disputed XXXX XXXXXXXX charged off Account XXXX Disputed XXXX XXXX charged off Account XXXX Please have accounts removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Entrata Inc.
State: TX

Complaint narrative:
On the XX/XX/XXXX I was notified that I'd received an adverse action denying me access to XXXX. I clearly asked who reported the XXXX? And the representative stated that the Courts reported this to Resident Verify. I contacted the Court directly and they clearly stated that they " DO NOT REPORT TO ANY CREDIT REPORTING AGENCIES PERIOD ''. AND THAT THEY DO NOT VALIDATE ANY ALLEDGED DEBT NOR CAN THEY VERIFY THE ACCURACIES OF ANY FILE THAT SOMEONE GET FROM SEARCHING PUBLIC RECORDS ''. 

I INFORMED RESIDENT VERIFY THAT I WANTED TO DISPUTE THIS AND THEY SAID THAT I CAN'T DISPUTE IT AND THAT I WOULD HAVE TO GO TO THE COURTS AND THAT IT WOULD CONTINUE TO STAY ON MY REPORT EVEN IF I DISPUTE. 

I informed resident verify that I wasn't even staying at XXXX at the date they gave and that i had proof to back that up that I was no longer a resident at that time and that I had proof directly from the Apartment complex directly from my move out sheet sent to me via email from XXXX  and that I had moved out, did a walk through and turned in my keys on XX/XX/XXXX and Resident Verify stated that I was XXXX  XXXX the XX/XX/XXXX. 

I clearly explained that you can not XXXX  a person that has already moved out and turned all possession of the property over to the Owner ie Management. 

Resident Verify stated that they're going to continue to report it even after I asked them to validate the debt from directly from the courts and not from public records because they can not be Validated and or Verified as true and correct because the Courts do not report nor will the Court attest to the Accuracy of any Public Records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: NY

Complaint narrative:
According to the FAIR CREDIT REPORT ACT if I request that information that hinders or damage my credibility not be reported on my account, then it should not be reported on my account. XXXX XXXX, Equifax, and XXXX is continuing to report my personal private negative information like late payments, Closed accounts and Hard inquiries to the public domain. These three things are damaging me terribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: NY

Complaint narrative:
According to the FAIR CREDIT REPORT ACT if I request that information that hinders or damage my credibility not be reported on my account, then it should not be reported on my account. XXXX XXXX, XXXX, and Experian is continuing to report my personal private negative information like late payments, Closed accounts and Hard inquiries to the public domain. These three things are damaging me terribly.

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 2024-06-01 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:
This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} 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 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've consistently ensured timely payments on this account, never letting them become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: NY

Complaint narrative:
According to the FAIR CREDIT REPORT ACT if I request that information that hinders or damage my credibility not be reported on my account, then it should not be reported on my account. Trans Union, XXXX, and XXXX is continuing to report my personal private negative information like late payments, Closed accounts and Hard inquiries to the public domain. These three things are damaging me terribly.

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 2024-06-01 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, MI, was where I bought 2 couches that were supposed to be power recline couches on XXXX XXXX XXXX The couches had to be ordered and were suppose to arrive around XX/XX/XXXX, initially, but received a call on XX/XX/XXXX that my couches would not be in for another week and no phone call that the couches were another week out. I had to go in on XX/XX/XXXX, and find out that my couches were finally in and they called me later that day to schedule delivery. I received my couches on XX/XX/year> but not at the time of day that was talked about on the phone and I was not there when both couches were delivered. I came home from work to discover I had received the WRONG couches. I went to the store at XXXX XXXX on XX/XX/XXXX. The store sales man said the manager would get back with me the next day but never did. I was told the manager was out of town and would not be back for a week. I never received a call from the manager.i filed a dispute after 3 straight days to get ahold of a manager to no avail. I still have the couches because I have no way of getting the couches back to the store or the manpower to lift and move the couches back out to a truck to take them back. Sychrony bank has closed the dispute without ever contacting me about the problem with the couches. I sent pictures to show that the couches are not power recline couches. I receive a letter from Sychrony bank that my dispute was denied because XXXX XXXX says they delivered the correct couches but never corrected the issue. The manager refused to talk to me about it before or since the incident started. It is now XX/XX/XXXX, and allni want is these 2 couches to be gone and the money back on my credit card so I can go somewhere else to get my couches.i will NEVER deal with either company again.

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 2024-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: ME

Complaint narrative:
I utilize credit karma and credit karma offered me a karma guarantee on a credit card that they were so sure that XXXX credit card company would approve my {$700.00} credit limit credit card and if i was denied i would get {$50.00} from credit karma. I applied for XXXX on XX/XX/2024 when my credit was pulled shortly after i received an email asking for additional information to approve my credit card which i found odd. i did comply with the request by XXXX XXXX XXXX and followed all the instructions and faxed in my information. in the email it outlines to wait a period of time for processing and i gave them double the amount of time needed and i heard nothing from them. under the fair credit reporting act i should be notified of a decision and receive that notification in the same means which in this case email they requested the information or by letter. ive received nothing from anyone. XXXX days ago i reached out to credit karma and you cant get an answer via support chat they email you and i cant get an answer calling and even when i spoke to a supervisor.. he wasnt trained and hasnt done what he said he was going to do telling me he was tied up. also im chat they said they were going to escalate the matter and i heard nothing in over XXXX hours and no one i was disconnected and the next person was just playing games pretending like they couldnt find my account but sent me all my account details etc etc. its a bunch of nonsense! i called them but they cant help over the phone. They then sent me an email stating i supposedly didnt complete my application which is complete XXXX. ive applied for other credit cards and get an instant decision from the same means so this is XXXX! i sent a random bank i dont know all my private info to apply for a credit card and since ive been trolled and spammed by them repeatedly offering me {$300.00} more then the orginal offer and to apply again to once again ding my credit. this is completely unethical, unprofessional and unnaceptable. there needs to be a decision and this didnt fill out my application XXXX when you apply through the app directly is nonesense especially after i even sent the additional information requested to approve or deny me, they just left it in limbo and blaming me to not follow through with their guarantee and i either want my credit or my {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: LendingPoint Holdings LLC
State: GA

Complaint narrative:
This loan was sold to a company called XXXX XXXX without my knowledge and no signed paperwork with my signature giving the ok to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: TX

Complaint narrative:
Despite our previous seven attempts, I regret to inform you that these items still persist on my record. As we enter this attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. Please help me remove these items immediately : XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I request the removal of these inquiries. I am not aware of them, and the company proceeded without my permission.

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 2024-06-01 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:
This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX Balance Owed : {$0.00} 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 2024-06-01 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:
This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$2800.00} XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXXXXXX Balance Owed : {$730.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: Experian Information Solutions Inc.
State: CA

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 30 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 XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX 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 explanation
Consumer complaint received 2024-06-01 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:
Upon reviewing my credit report on XX/XX/XXXX, I have identified certain inaccuracies that need to be addressed : 1. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following personal information is incorrect XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following personal information is incorrect XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generall, after any reinvestigation under paragraph ( 1 ) 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 15 USC 1681s-2 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. 


Thank you for your attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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