vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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: MN

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections
State: OR

Complaint narrative:
They are reporting a collection on my credit report about a debt that I have no knowledge of. They have failed to reply with the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: NY

Complaint narrative:
I reviewed all of my credit reports and noticed a few fraudulent accounts. Can you please remove all of these fraudulent accounts off my credit report because it is keeping me from obtaining credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services
State: AZ

Complaint narrative:
I have requested debt validation from this company in XXXX XXXX XXXX XXXX XX/XX/2023 and again in XX/XX/2023. 
I have never received any information from them and the amount has continued to change it started at XXXX and has since changed to the following amounts : {$320.00} {$330.00} {$330.00} {$330.00} {$330.00} {$340.00} {$340.00} It continues to increase and they have never responded to anything from me and I have attempted to dispute on XXXX and XXXX as well as XXXX and it continues to show on my XXXX account despite my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm warning you if you don't sort out this issue within 10 days, I'll report your company to the FTC. You're legally required to respond in 15 days, and not doing so puts you in non-compliance, risking fines up to {$1000.00}. Send me the requested info within 10 days to avoid me going through with the complaint.

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 2024-02-06 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: TX

Complaint narrative:
I trust this communication finds you well. I am writing to express my deep frustration and dissatisfaction with the ongoing challenges I have faced in attempting to remove charge-off accounts from my credit report. Despite multiple attempts, I have not witnessed any successful resolution to this matter. 

The charge-off accounts in question are adversely affecting my credit score and financial standing, and I have diligently followed the proper procedures for disputing and rectifying these inaccuracies. Unfortunately, the persistence of this issue has left me with a sense of helplessness and concern for the impact it may have on my financial well-being. 

I would like to outline the instances where I have reported the charge-off accounts and the corresponding attempts for removal : Despite my sincere efforts to rectify this situation, the charge-off accounts persist on my credit report, creating a significant impediment to my financial health. 

I am formally requesting an immediate and thorough investigation into these matters, aiming to identify the root cause of the recurring inaccuracies. Furthermore, I expect prompt action to rectify the inaccuracies on my credit report and to prevent any further hindrance to my financial stability. 

I am willing to provide any additional information or documentation necessary to support your investigation and resolution process. I trust that you will address this matter with the utmost urgency and seriousness it warrants, ensuring a swift and effective resolution. 
Failure to resolve this issue promptly may force me to escalate my concerns to relevant regulatory authorities and seek legal remedies to safeguard my rights as a consumer. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX Balance : {$8000.00} ; XXXX  XXXX Balance : {$2600.00}.

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 2024-02-06 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: TX

Complaint narrative:
I trust this communication finds you well. I am writing to express my deep frustration and dissatisfaction with the ongoing challenges I have faced in attempting to remove charge-off accounts from my credit report. Despite multiple attempts, I have not witnessed any successful resolution to this matter. 

The charge-off accounts in question are adversely affecting my credit score and financial standing, and I have diligently followed the proper procedures for disputing and rectifying these inaccuracies. Unfortunately, the persistence of this issue has left me with a sense of helplessness and concern for the impact it may have on my financial well-being.

I would like to outline the instances where I have reported the charge-off accounts and the corresponding attempts for removal : Despite my sincere efforts to rectify this situation, the charge-off accounts persist on my credit report, creating a significant impediment to my financial health. 

I am formally requesting an immediate and thorough investigation into these matters, aiming to identify the root cause of the recurring inaccuracies. Furthermore, I expect prompt action to rectify the inaccuracies on my credit report and to prevent any further hindrance to my financial stability. 

I am willing to provide any additional information or documentation necessary to support your investigation and resolution process. I trust that you will address this matter with the utmost urgency and seriousness it warrants, ensuring a swift and effective resolution.

Failure to resolve this issue promptly may force me to escalate my concerns to relevant regulatory authorities and seek legal remedies to safeguard my rights as a consumer. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX Balance : {$8000.00} ; XXXX  XXXX Balance : {$2600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: TX

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

I first noticed the late open account, and since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated.

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score.

A written confirmation of the resolution, including the date when the correction was made.

An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner.

I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report.

If my concerns are not addressed within the exact time frame from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assistance to correct this account in my credit file : XXXXXXXX XXXX XXXX XXXXXXXX : {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States | have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-02-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX and my master card says fiserve4 hasn't been pushing my info to the credit beuros for atleast XXXX XXXX maybe more. which mean i have no credit to speak of. i have paid off my house my car and all my bills for XXXX XXXX. my credit should be top notch. but fiserve dropped the ball and i can get no XXXX XXXX from the XXXX agancies and or loans form lowes or others. i need my XXXX XXXX put bakc to its high ranking. than k you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm disputing my credit report due to identity theft. XXXX and XXXX already removed the fraudulent accounts, but your bureau hasn't. Please fix this by removing the accounts immediately, as I doubt their accuracy, and ensure 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 explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My wells fargo senior banker suggested I apply for a Bank XXXX credit card that rewarded cash payback if I spent a certain amount over a specific period. Note I currently have XXXX XXXX and Bank XXXX XXXX cards. Since I had inplace a XXXX XXXX my bank asked me to temporarily lift the XXXX in order to review my credit to issue the new XXXX card. I therefore notified XXXX and XXXX Both Credit agencies immediately honored my request without delay and initiated temporary lifts. However when I telephonically contacted EQUIFAX on XX/XX/year> provided their Agent XXXX XXXX my answers to all his questions re my identity he said the system was showing an ERROR msg.. Agt. XXXX then sent my cell phone an invite to EQUIFAX which he had me photograph the front & Back my Drivers XXXX. & Social Security XXXX, I did he said he received the photos and he again told me their system came back again with an ERROR. XXXX XXXX instructed me I had to XXXX MAIL the copies of said documents to EQUIFAX. I did XXXX Mail the req. documents to EQUIFAX. Since my life long Credit has been XXXX, I asked to speak to a Supervisor, XXXX XXXX she came on the phone insisted there was no one higher up who could help my issue and I had to Mail them the Documents which I did. On XX/XX/year> having not heard back fr EQUIFAX I called them again. Agent XXXX took my call, I explained the situation, I provided again all my ID he requested again the Agent came back on advised still could Not lift my Freeze and could Not tell me what or where was my Copies of the ID I mailed Equifax that they requested. XXXX XXXX also told me there was nothing they could do to LIFT my Credit Freeze. This failure by EQUIFAX and without any explanation Or alternative not even referring this matter to higher EQUIFAX ranking individual is prevententing XXXX XXXX From issuing me a new Credit Card. I have No idea what future effect or damage to my Credit This EQUIFAX so called ERROR, on the part of the EQUIFAX Credit Reports will have on any other credit checks. Because of EQUIFAX I can't even get MY OWN Security Freeze temporarily lifted, Obviously if XXXX and XXXX had no problem temporarily lifting the Freeze Something is drastically wrong at EQUIFAX Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: AZ

Complaint narrative:
They my deposit over again and won't let me keep going from where I already was because they mistakenly closed my account. When I contacted them on the chat, they didn't fix the issue and proceeded to hang up basically then they close the chat on me. I have screenshots as evidence. I am adding to this report so I would like them to close my credit builder account for reporting in accurate information on my credit hindering me from buying a house at the moment, and I will be taking legal action so there might be a report. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief