vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 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: MD

Complaint narrative:
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: MI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
Opened bank account at Huntington bank. Decided to close account. Went in person on XX/XX/year> to XXXX XXXX XXXX XXXX, XXXX MN. Closed account. They told me it is closed. Following day I received a text and email notification of low balance in Huntington bank account. ( {$0.00} ) I called customer service and asked why Im receiving these alerts after closing account. They told me that it is pending closure and takes up to 14 days to close the account. XXXX business days later on XX/XX/year> I am still receiving these low balance notifications daily. And now the low balance shows {$0.00}. Not sure where the {$0.00} came from after closing my account. When I called customer service today XX/XX/XXXX, they told me that it takes up to XXXX to close the account. I told them it has been XXXX business days. They told me they didnt know why it was still pending closure and that they would send a complaint to management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: MD

Complaint narrative:
I am filing this complaint against Experian for failing to ensure the accuracy and verifiability of multiple items on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite providing Experian with a formal dispute letter dated XX/XX/XXXX, which outlined specific inaccuracies and requested corrections, Experian has yet to adequately address these issues. 

Disputed Items Bankruptcy Filing ( Case # XXXX ) Experian is reporting this public record inaccurately and without proper verification. 
Under FCRA 609 ( e ), I requested Experian verify the source of this information and confirm it was obtained directly from court records or a credible provider. 
Experian has failed to demonstrate that this record is accurate or properly sourced. 
XXXX XXXX ( Account # : XXXX ) The account is listed as " Petition for XXXX  XXXX Bankruptcy/Never Late '' but lacks payment history and updates since my alleged bankruptcy filing on XX/XX/XXXX. 
This is unverifiable and outdated, violating FCRA XXXX. 

XXXX ( Account # : XXXX ) This refinanced account is outdated and lacks verification since its last activity in XX/XX/XXXX. 
Experian must remove unverifiable accounts under FCRA 623. 

XXXX XXXX Account # : XXXX ) Experian is reporting this as " Closed at credit grantor 's request, '' which negatively affects my creditworthiness.

I requested this remark be corrected to " Closed by Consumer, '' as required under FCRA 1681e ( b ). 

XXXX ( Account # : XXXX ) This account is marked as " Closed at consumers request. '' Experian has failed to verify this comments accuracy, violating FCRA 1681e ( b ). 

XXXX XXXX XXXX XXXX ( Account # : XXXX ) This account is incorrectly reported as included in my bankruptcy, despite being removed from my XXXX report for similar inaccuracies. 
Experian has not verified or updated this account, violating FCRA XXXX. 

XXXX XXXX  ( Account # : XXXX ) This account is listed as " Transferred, closed/Never Late '' but lacks updates or payment history since XX/XX/XXXX. 
Inaccurate and outdated reporting violates FCRA 611.

Unauthorized Inquiry : Ally Credit Card/CWS ( Inquiry Date : XX/XX/XXXX ) I do not recall authorizing this hard inquiry, which violates FCRA 605A XXXX 
I requested its immediate removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
This debt is a charge off, However this is actually considered as income. I did not receive a 1099C in order for this to account as income. This is not a charge off. I am requesting for the XXXX XXXX accounts to be removed. This is not a debt this is considered income and should not be reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: GA

Complaint narrative:
Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they may be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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:
See previous complaints. Each time I report that Equifax is not reporting my largest credit card, CFPB notifies me the company has responded. 

The response IS my complaint -that Equifax is not reporting my largest credit card.

=This is repeating the complaint back to me and CFPB not responding to it And taking 30 more days plus to do it so my credit continues being falsified year after year causing me massive identity issues every time I try to apply for things since I'll be other credit bureaus are reporting accurately. 

With that CFPB says the company has responded which it has not - then closes the complaint! 

CFPB appears to be in collusion with Equifax not responding to the complaint, which is that an item is missing from my credit report. 

Equifax 's responsibility is to report my credit accurately and CFPB 's is to address complaints positively or negatively. Both companies continue falsifying my information and not responding when I complain -and for no reason where this benefits no one and only hurts me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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 am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: Experian Information Solutions Inc.
State: OH

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 uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated 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
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I discovered some instances of old accounts for which are unlawfully displayed on XXXX credit file. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. The following account ( XXXX ) with US DEPARTMENT OF EDUCATION, account number ( XXXX ) XXXX, XXXX, XXXX should be DELETED from EXPERIAN. I request a thorough investigation into these discrepancies and urge you to provide evidence of why the information on any and all consumer profiles are not the same or accurate. If unable to furnish such proof, I demand that these accounts be promptly DELETED to reflect their true status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: MD

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I recently discovered a fraudulent collection account from LVNV Funding LLC on my credit report. The account, opened on XX/XX/year>, with a balance of {$660.00}, is tied to XXXX XXXX XXXX as the original creditor. I never opened or authorized this account, and it is the result of identity theft. 
I filed an FTC Identity Theft Report ( Report No : XXXX ) and disputed this account with LVNV Funding LLC and the credit bureaus, but the account remains on my report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I have the right to have fraudulent information removed from my credit report once an identity theft report is submitted. Despite this, the account remains and is damaging my credit and financial stability

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau To whom it may concern, I am writing to file a formal complaint against XXXX regarding inaccuracies in credit reporting and improper debt collection practices related to my account, which I believe violate the Fair Debt Collection Practices Act ( FDCPA ), U.S. Code 1692. National Credit Systems has been reporting inaccurate information to my Social Security number under the account XXXX. Specifically charging unauthorized fees that are not stipulated in the original debt agreement. This practice not only misrepresents my debt obligations but also reflects negatively on my credit history. Furthermore, I have received numerous calls from a law firm claiming to represent XXXX XXXX XXXX, offering various debt settlement amounts and terms that are inconsistent with what is listed on my credit report. These discrepancies have caused confusion and have raised concerns about the legitimacy and legality of their collection efforts. They are unlawfully requesting a one-day settlement making continuous calls. I am formally requesting that National Credit Systems, and any third parties acting on their behalf, cease these unauthorized practices and delete the inaccurate information reported to the credit bureaus. Additionally, I ask that the collection agency provide clear and accurate information about the debt amount and terms, in compliance with FDCPA regulations, as they have not responded directly to any of my requests. Please confirm receipt of this letter and outline the steps your office will take to resolve these issues. I appreciate your prompt attention to this matter. SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This debt is a charge off, However this is actually considered as income. I did not receive a XXXX in order for this to account as income. This is not a charge off. I am requesting for the American Express accounts to be removed. This is not a debt this is considered income and should not be reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: NY

Complaint narrative:
on Friday XX/XX/year> I got an email from Experian that the results of my dispute were ready. I have not recently submitted a dispute so I don't know what they're talking about. Experian won't let me log in to view the dispute however. 

As usual, Experian 's website fails to allow me to sign in. It gives an error " we were unable to process your request '' and says they're aware of the issue. This is a constant problem that happens more often than not. They provide a phone number that only allows for limited interaction with an AI chat bot that just refers me back to the broken website. They provide no access to a human representative or even a way to email them about the broken site.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: Experian Information Solutions Inc.
State: TX

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 uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated 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 : 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