vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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:
Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. The information must be deleted from my report as soon as possible. Not only did you not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your 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 explanation
Consumer complaint received 2024-03-06 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: TX

Complaint narrative:
I, XXXX XXXX never gave TRANSUNION, any written consent to report anything on my consumer report. I sent a dispute letter to the agency over 2 months ago regarding account XXXX and they have failed to verify this account. The credit bureaus were also notified that my information was compromised in the XXXX data breach. The collection agency that is claiming that I owe an alleged debt to their agency has failed to validate this debt. There was no original contract with my signature, no forward flow agreement, or 1099c sent to me. XXXX has since removed this account. Also note that XXXX and Transunion are reporting different dates for the date of last activity which is a violation of the FCRA. All data furnished should be consistent and accurate. Attached is my credit report to show the error. I will attach the dispute letter sent on XX/XX/2023 which is dated, and time stamped. I am requesting that the following unverified account is removed from my credit report within 10 days : 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 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Someone opened a credit card under my name without my permission. 

I called Amex to ask what address and phone number was used to open my card. 

They denied the fraud claim because they said I benefited but if you look at the address and phone numbers are different. 

Amex please provide the address and phone number used to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STATES I HAVE THE RIGHT TO PRIVACY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Sent first dispute letter XX/XX/2024, no response from companXXXX XXXX XXXX XXXX XXXX XXXX  Sent follow up dispute letter to company XXXX XXXX XXXX XXXX XXXX on XX/XX/2024 Reporting same debt twice on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: IL

Complaint narrative:
he personal data within these papers isn't mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Throughout my history with this account, I've consistently maintained timely payments, preventing any instances of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. As per XXXX XXXX XXXX - Billing Error, corrections should be made.

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 2024-03-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Throughout my history with this account, I've consistently maintained timely payments, preventing any instances of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. As per XXXX XXXX XXXX - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: IL

Complaint narrative:
Throughout my history with this account, I've consistently maintained timely payments, preventing any instances of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. As per XXXX XXXX XXXX - Billing Error, corrections should be made.

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 2024-03-06 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: KY

Complaint narrative:
XXXX writing to express my frustration and disappointment as it has come to my attention that, despite previous communication, I have not received the requested Affidavit XXXX XXXX XXXX this company. This matter is of utmost importance, and the failure to provide this document is causing undue inconvenience. 
Unauthorized XXXX of XXXX XXXX, your prompt attention to this matter and request a thorough investigation into the unauthorized reporting of my data. Additionally, I request that all inaccuracies be promptly corrected and that I am provided with a written explanation of the actions taken to rectify this situation. If this matter is not resolved satisfactorily within 30 days from the date of this statement, I reserve the right to pursue legal action to protect my rights under the FCRA. I hope it does not come to that, and your bureau takes the necessary steps to rectify this situation promptly. I appreciate your immediate attention to this matter and look forward to a swift resolution.

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 2024-03-06 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: KY

Complaint narrative:
XXXX writing to express my frustration and disappointment as it has come to my attention that, despite previous communication, I have not received the requested Affidavit XXXX XXXX XXXX this company. This matter is of utmost importance, and the failure to provide this document is causing undue inconvenience. 
Unauthorized XXXX of XXXX XXXX, your prompt attention to this matter and request a thorough investigation into the unauthorized reporting of my data. Additionally, I request that all inaccuracies be promptly corrected and that I am provided with a written explanation of the actions taken to rectify this situation. If this matter is not resolved satisfactorily within 30 days from the date of this statement, I reserve the right to pursue legal action to protect my rights under the FCRA. I hope it does not come to that, and your bureau takes the necessary steps to rectify this situation promptly. I appreciate your immediate attention to this matter and look forward to a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: IL

Complaint narrative:
After reviewing my consumer report I noticed hard inquiries that I did not authorize, I did not make nor did I approve ANYONE to pull my credit. 
Delete these inquiries off my report. 

XXXXXXXX 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 2024-03-06 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: NJ

Complaint narrative:
They are reporting wrong information seeing my XXXX XXXX is way lower when its actually higher not reporting the right balances and getting those companies the wrong information about my credit report and not correcting items on my credit report that I am in good standings instead showing negative Ive been in contact with Trans Union and XXXX and experience to fix these issues, but they have still not

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
This is not a regular dispute. I am requesting an audit of the reinvestigation of this items on my report. The FCRA mandates you conduct your own investigation when requested by me ( the consumer ). I am requesting you provide me your own independent investigation of this item. I am requesting physical proof otherwise you are violating my rights as a consumer by not deleting this unverified item.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Kindly verify the documents to ensure compliance with FCRA 605B. There seem to be inaccuracies in some listed accounts on my credit report, causing unease.

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 2024-03-06 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:
I initiated a transfer of {$25000.00} from XXXX by Goldman Sachs to my XXXX XXXX Savings account. This transfer was rejected and reversed. When I called to see why, I was notified that since the funds haven't been in my Marcus account for at least 90 days, I can only transfer the funds back to bank where they originated from ( XXXX XXXX ). I never agreed to this when I first opened the account. Also in the Marcus app, the funds are stated as " available to use ''. I believe this is deceptive because the funds are not available for withdrawal. They can only be returned to the original bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: MA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I called today to ask for the first statement after the card was opened with the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to address a matter of utmost urgency regarding my credit report. Upon reviewing my credit history, I was shocked to discover the presence of a fraudulent account that does not belong to me. This unauthorized account has tarnished my creditworthiness and poses a significant threat to my financial well-being. 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 2024-03-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to address a matter of utmost urgency regarding my credit report. Upon reviewing my credit history, I was shocked to discover the presence of a fraudulent account that does not belong to me. This unauthorized account has tarnished my creditworthiness and poses a significant threat to my financial well-being. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to address a matter of utmost urgency regarding my credit report. Upon reviewing my credit history, I was shocked to discover the presence of a fraudulent account that does not belong to me. This unauthorized account has tarnished my creditworthiness and poses a significant threat to my financial well-being. 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 2024-03-06 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:
I am writing to formally address two concerning matters regarding my account with your company. Firstly, I would like to bring to your attention the presence of inaccurate negative items on my account. These items are having a detrimental effect on my credit profile and financial well-being. I urge you to take immediate action to rectify this situation by removing these negative items from my account. 

Secondly, I would like to express my frustration regarding a late open account that has yet to be corrected. Despite my repeated attempts to resolve this issue, it remains unresolved, causing undue stress and inconvenience. I request that you prioritize the correction of this late open account and provide me with regular updates on its progress until it is satisfactorily resolved. 

It is imperative that these matters are addressed promptly and effectively to uphold the standards of integrity and customer service expected of your company. With this, I am asking for your assisstance to remove or correct these items in my credit file : Inaccurate Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX  XXXX Balance {$940.00} XXXX XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance {$610.00} XXXX  XXXX Balance {$2700.00} XXXX XXXX  XXXX **** XXXX {$1700.00} XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX Balance {$4400.00} XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX  XXXX Balance {$940.00} XXXX XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance {$610.00} XXXX  XXXX Balance {$2700.00} XXXX XXXX  XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$4400.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX Balance {$690.00} XXXX  XXXX  XXXX XXXX Balance {$810.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX Balance {$610.00} XXXX  XXXX Balance {$2700.00} XXXX XXXX  XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$4400.00} XXXX XXXX Balance {$2600.00} XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX  XXXX  XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX Balance {$810.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022.

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 2024-03-06 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:
I am writing to formally address two concerning matters regarding my account with your company. Firstly, I would like to bring to your attention the presence of inaccurate negative items on my account. These items are having a detrimental effect on my credit profile and financial well-being. I urge you to take immediate action to rectify this situation by removing these negative items from my account. 

Secondly, I would like to express my frustration regarding a late open account that has yet to be corrected. Despite my repeated attempts to resolve this issue, it remains unresolved, causing undue stress and inconvenience. I request that you prioritize the correction of this late open account and provide me with regular updates on its progress until it is satisfactorily resolved. 

It is imperative that these matters are addressed promptly and effectively to uphold the standards of integrity and customer service expected of your company. With this, I am asking for your assisstance to remove or correct these items in my credit file : Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXXXXXX Balance {$940.00} XXXX XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance {$610.00} XXXX  XXXX Balance {$2700.00} XXXX XXXX  XXXX **** XXXX {$1700.00} XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX Balance {$4400.00} XXXX  XXXX  XXXX Balance {$1000.00} XXXX  XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX  XXXX Balance {$940.00} XXXX XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance {$610.00} XXXX  XXXX Balance {$2700.00} XXXX XXXX  XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$4400.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXXXXXX XXXX {$1000.00} AXXXX XXXX XXXX  XXXX Balance {$690.00} XXXX  XXXX  XXXX XXXX Balance {$810.00} XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX Balance {$610.00} XXXX  XXXX Balance {$2700.00} XXXX XXXX  XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$4400.00} XXXX XXXX Balance {$2600.00} XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX  XXXX  XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX Balance {$810.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year>.

Company response to consumer: Closed with non-monetary relief