vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 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:
Dear Credit Bureau, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ). Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which they dont show there account numbers at all After reviewing my credit report those account is reporting the incorrect open date, date of last payment, and date last active, can you reinvestigate this account according to section 1681i of the fair credit reporting act.

After your reinvestigation if you found this account to be inaccurate or incomplete or can not be verified can you delete this account according to section 1681 ( 5 ) of the fair Credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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:
Dear Credit Bureau, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ). Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which they dont show there account numbers at all After reviewing my credit report those account is reporting the incorrect open date, date of last payment, and date last active, can you reinvestigate this account according to section 1681i of the fair credit reporting act.

After your reinvestigation if you found this account to be inaccurate or incomplete or can not be verified can you delete this account according to section 1681 ( 5 ) of the fair Credit reporting act.

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 2024-07-22 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: MN

Complaint narrative:
To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXXXXXX - My information was compromised in the XXXX XXXX breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. 

XXXX - XXXX - My information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. 

XXXX - XXXX - My information was compromised in the XXXX data breach, and unrecognized, fraudulent items have appeared on my credit report. These undocumented claims are invalid and non-compliant with reporting standards. I request immediate deletion of these items and proof of compliance for this account, as the FTC is investigating. 

XXXX XXXX  - XXXX - My info got hit by that XXXX XXXX breach, and now my credit report 's got all kinds of stuff I don't recognize. XXXX! You can't just assume those claims are valid without proof.Show me you're following the right compliance standards for this account. The FTC is looking into this. DELETE!

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CORELOGIC INC
State: NV

Complaint narrative:
I am writing to express my extreme frustration and anger regarding the grossly inaccurate information that continues to plague my credit report. Despite numerous attempts to rectify these inaccuracies with XXXX, XXXX, and XXXX, I have been met with nothing but incompetence and indifference. This situation has persisted for far too long and is a blatant violation of my rights under Section XXXX of the Fair Credit Reporting Act ( FCRA ). 

Section 605B clearly mandates that consumer reporting agencies must either correct or delete inaccurate, incomplete, or unverifiable information within 30 days. However, despite my repeated disputes and the clear evidence I have provided, these credit reporting agencies have failed to comply with the law. Their inaction is not only illegal but also detrimental to my financial well-being and my ability to exercise my American right to access credit. 

The inaccuracies on my credit report have had a severe negative impact on my life, including but not limited to : Denied Credit Applications : I have been denied credit opportunities that I rightfully deserve, affecting my ability to secure loans, mortgages, and other financial products. 

Higher Interest Rates : The inaccuracies have led to higher interest rates on the limited credit I have been able to obtain, costing me hundreds, if not thousands, of dollars. 

XXXX XXXX : The ongoing struggle to correct these inaccuracies has caused significant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe. 

I have reached out to XXXX, XXXX, and XXXX multiple times, providing detailed documentation and evidence to support my claims. Each time, I have been met with inadequate responses or outright neglect. Their failure to take appropriate action is unacceptable and in direct violation of federal law. 

I demand immediate intervention from the Consumer Financial Protection Bureau to hold these credit reporting agencies accountable for their illegal actions. Specifically, I request : An immediate and thorough investigation into the handling of my disputes by XXXX, XXXX, and XXXX. 

Prompt correction or removal of the inaccurate information from my credit report as required by Section 605B of the FCRA. 

Appropriate penalties and sanctions against these agencies for their failure to comply with federal regulations. 

Assurance that these violations will not continue to affect other consumers who rely on the accuracy of their credit reports. 

I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address this matter and protect the rights of consumers like myself. I eagerly await your response and the resolution of this ongoing issue.

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 2024-07-22 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 DO NOT consent to any automated scan response or e- XXXX XXXX methods. I reached out to all three credit bureaus XXXX, XXXX, and Equifax to dispute incorrect and invalidated reports provided by XXXX XXXX XXXX XXXX. XXXX removed the account from my report due for several reasons. XXXX, Equifax and XXXX continue to validate this incorrect information but provide no evidence after multiple re-investigations. XXXX XXXX XXXX is required to report the same information to Equifax, XXXX, and XXXX. and each are required to report the same information which is not happening. There is conflicting information shown on the 3 separate accounts This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. XXXX currently reports no payment history at all for this account. Equifax is still missing data. But the only resolution is deletion since one bureau has already determined the information to be deleted. Further, XXXX and equifax continue to violate my rights by not providing specfic information requested to document a bona fide dispute process. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I requested your credit bureau to initiate an investigation and to validate this information more than 4 times. This information was not validated. This information has greatly impacted my ability to qualify for other opportunities and I have been denied opportunities because XXXX and equifax refuse to remove incomplete, inaccurate information., I demand this innaccurate and incomplete report be removed from my credit profile immediately or federal and civil litigation will be sought pursuant to FCRA violations and damages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under XXXX5 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-07-22 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I am writing to express my extreme frustration and anger regarding the grossly inaccurate information that continues to plague my credit report. Despite numerous attempts to rectify these inaccuracies with XXXX, XXXX, and XXXX, I have been met with nothing but incompetence and indifference. This situation has persisted for far too long and is a blatant violation of my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ). 

Section 605B clearly mandates that consumer reporting agencies must either correct or delete inaccurate, incomplete, or unverifiable information within 30 days. However, despite my repeated disputes and the clear evidence I have provided, these credit reporting agencies have failed to comply with the law. Their inaction is not only illegal but also detrimental to my financial well-being and my ability to exercise my American right to access credit. 

The inaccuracies on my credit report have had a severe negative impact on my life, including but not limited to : Denied Credit Applications : I have been denied credit opportunities that I rightfully deserve, affecting my ability to secure loans, mortgages, and other financial products. 

Higher Interest Rates : The inaccuracies have led to higher interest rates on the limited credit I have been able to obtain, costing me hundreds, if not thousands, of dollars. 

XXXX XXXX : The ongoing struggle to correct these inaccuracies has caused significant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have reached out to XXXX, XXXX, and XXXX multiple times, providing detailed documentation and evidence to support my claims. Each time, I have been met with inadequate responses or outright neglect. Their failure to take appropriate action is unacceptable and in direct violation of federal law. 

I demand immediate intervention from the Consumer Financial Protection Bureau to hold these credit reporting agencies accountable for their illegal actions. Specifically, I request : An immediate and thorough investigation into the handling of my disputes by XXXX, XXXX, and XXXX. 

Prompt correction or removal of the inaccurate information from my credit report as required by Section 605B of the FCRA. 

Appropriate penalties and sanctions against these agencies for their failure to comply with federal regulations. 

Assurance that these violations will not continue to affect other consumers who rely on the accuracy of their credit reports. 

I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address this matter and protect the rights of consumers like myself. I eagerly await your response and the resolution of this ongoing issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: MD

Complaint narrative:
I was a cosigner on a XXXX XXXX XXXX XXXX via XXXX XXXX My XXXX XXXX did not pay the card. It was charged off. However, in XX/XX/year> the debt was cancelled and a XXXX was issued to my XXXX XXXX. I have tried to contact XXXX XXXX and XXXX XXXX  to reflect this on my credit. They are still reporting I owe {$5000.00} and that its charged off. The account is no longer charged off and the debt is cancelled. They also are reporting inaccurate information in terms of payment. When XXXX occurred we were on a plan because we could not pay.

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 2024-07-22 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: MD

Complaint narrative:
I was a cosigner on a XXXX XXXX XXXX XXXXXXXX  via XXXXXXXX XXXX My XXXX XXXX did not pay the card. It was charged off. However, in XX/XX/year> the debt was cancelled and a XXXX was issued to my XXXX XXXXe. I have tried to contact XXXX XXXXk and XXXX XXXX to reflect this on my credit. They are still reporting I owe {$5000.00} and that its charged off. The account is no longer charged off and the debt is cancelled. They also are reporting inaccurate information in terms of payment. When XXXX  occurred we were on a plan because we could not pay.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I was a cosigner on a Mattress Firm Credit Card via Synchrony Bank. My XXXX XXXX did not pay the card. It was charged off. However, in XX/XX/2023 the debt was cancelled and a XXXX was issued to my XXXX XXXX I have tried to contact synchrony bank and mattress firm to reflect this on my credit. They are still reporting I owe {$5000.00} and that its charged off. The account is no longer charged off and the debt is cancelled. They also are reporting inaccurate information in terms of payment. When covid occurred we were on a plan because we could not pay.

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 2024-07-22 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: CA

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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