vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 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: FL

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: FL

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-02-22 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 discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: PA

Complaint narrative:
on XX/XX/2024 i requested with all three CRAs that i have been a victim of identity theft, filed a FTC report by law and submitted to them. per FCRA all information should have been blocked and deleted within 4 business days of receipt. Today it's the XXXX of XXXX and have not heard anything from them concerning my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: PA

Complaint narrative:
on XX/XX/2024 i requested with all three CRAs that i have been a victim of identity theft, filed a FTC report by law and submitted to them. per FCRA all information should have been blocked and deleted within 4 business days of receipt. Today it's the XXXX of XXXX and have not heard anything from them concerning my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by 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 2024-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report, as required by the Fair Credit Reporting Act. Upon contacting the bank, I talked to someone within the company to confirm the documents had been received and they informed me that they never receive documents from the CFPB. 
The unauthorized account details are as follows : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: MD

Complaint narrative:
I am writing to formally file a complaint against Equifax concerning their failure to address the inaccuracies on my credit report, despite my documented efforts to rectify the situation. 

On XX/XX/2024, I mailed a dispute letter to Equifax requesting an investigation into inaccurate items on my credit report. In addition, I disputed incorrect personal information listed on my credit report. These inaccuracies have had adverse effects on my financial standing and credibility. 

Despite my efforts to comply with the Fair Credit Reporting Act ( FCRA ) guidelines and provide all necessary information, Equifax has failed to acknowledge or act upon my dispute within the legally mandated time frame. I did not receive a response back from Equifax with the investigation results. 

I have taken considerable care to ensure the accuracy of my credit report and to protect my financial reputation. However, Equifax 's failure to respond appropriately has caused unwarranted stress and financial implications for me. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to Equifax as proof. I am now demanding Equifax immediately and permanently remove the disputed items from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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:
I am writing to inform you that there is 100 % improper use of the credit report Attached to the XXXX XXXX AND EXPERIAN have 1000 % violated the FCRA AND I IM HIGHLY PISSSED ABOUT THIS, 15 U.S. Code 1681 states thats companys are to report accurate information across all 3 bureaus on the credit report and dates are not accurate across all 3 bureaus I have enclosed proof highlighted, attached below, I want all these fraudulent incorrect XXXX accounts and inaccurate inquiries from the credit report with no fraud remarks or disputes comments remarks left on the credit report within 24hr of receiving this, yes I want the entire accounts fully whipped, attached below are proof supporting this statement,15 USC 1681 section 2 Also states company can not furnish a account without my written consent and I never gave any consent, section 602 also states I have to right to privacy.As instructed on your website Ive also enclosed documentation providing proof of my current address, social security, drivers and driver license. 


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  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2024-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
This unknown fraudulent account appears on my credit report on XX/XX/year> in the amount of {$1600.00} this account is not mine I have know knowledge of this account its fraudulent. I have reached out to the credit bureaus am sent documentation showing this account is fraudulent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the inaccurate information on my credit report regarding my account with XXXX XXXX XXXX XXXX. The bank has agreed with the status of the accounts as " Open, Never Late, '' but I have not received the updated statement due to it being sent to the wrong address. 
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 non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Credit Karma, LLC
State: CA

Complaint narrative:
My card was stolen I reported it multiple times to the bank they didnt do anything for weeks almost a month later they said they would disputed the charges the bank didnt investigate I sent them the requested information and they let Thieves steal my money and my identity I spent almost 3 hours on the phone with the dispute team and they did nothing to help all they told me was that I would get an email and when I got it to send two forms of Id which I did since then nothing has been done no investigation was made whatsoever and someone is out there spending money like crazy while this bank just lets them rather than file the dispute and investigate properly and protect their customers aka me cus the criminals who robbed and continue to rob me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to address the recent late payments on my account with CXXXX XXXX  and XXXX XXXX. As a valued customer, I understand the importance of maintaining timely payments, and I sincerely apologize for any inconvenience my late payments may have caused. 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 2024-02-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I asked rent debt automated to provide me with a contract with my signature and they were unable to provide me the documentation I have a statement from the debt collector rent debt automated stating they do not have any documentation or contract with my signature on it this fraudulent I dont know where this debt came from I dont not owe this money please remove from my credit report immediately or I will be seeking litigation attach will be a statement from a representative from rent debt automated stating the the company is unable to provide proof of this debt PLEASE DELETE FROM CREDIT REPORT IMMEDIATELY

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 2024-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Lvnv funding is not licensed in the state of nj to collect debt. They have applied to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
dispute 15 U.S. Code 1666b - Timing of payments. on 12/15/2023XX/XX/year>

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 2024-02-22 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: TX

Complaint narrative:
I have called each fraud inquiry and they have stated that my information is not in the system. They stated that they have no record of my name DOB, SSN or signature of authorization on file so stated by the Fair Credit Act any unauthorized and fraudulent inquiry must be removed immediately.

Please Remove Hard Inquiries listed Name of Inquiry : XXXX XXXX XXXX  Date of Inquiry : XX/XX/2022 Name of Inquiry : XXXX XXXX Date of Inquiry XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: CA

Complaint narrative:
I hope this letter finds you well. I am writing to address the recent late payments on my account with XXXX  XXXX and XXXX XXXX. As a valued customer, I understand the importance of maintaining timely payments, and I sincerely apologize for any inconvenience my late payments may have caused. XXXX  XXXX XXXX and 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 2024-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to address the recent late payments on my account with XXXX XXXX and XXXX XXXX. As a valued customer, I understand the importance of maintaining timely payments, and I sincerely apologize for any inconvenience my late payments may have caused. XXXX XXXX XXXX  and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint against Experian regarding their failure to investigate the inaccurate items listed on my credit report, despite my documented efforts to rectify the situation. On XX/XX/XXXX, I sent a certified letter via USPS with tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Experian, requesting an investigation into items on my credit report. In addition, I disputed incorrect personal information listed on my credit report. Despite diligently providing all requisite information and adhering meticulously to the channels mandated by the Fair Credit Reporting Act ( FCRA ), Experian has regrettably failed to acknowledge or address my dispute within the stipulated timeframe. I've spared no effort to uphold the accuracy of my credit report and safeguard my financial reputation. However, Experian 's lack of response and apparent disregard for my consumer rights became evident due to their failure to provide investigation results within the expected period. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. I am including a copy of my dispute letter sent to XXXX as proof. I am now demanding Experian immediately and permanently remove the disputed items from 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 explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Sir/Madam, Source of Information : BANK OF AMERICA ; XXXX XXXX XXXX, XXXX, FL XXXX I opened a Checking Account and XXXX XXXX XXXX at BANK OF AMERICA on XX/XX/2022. 
after weeks the checking account closed by BOA and reported fraud to XXXX and I can not open a bank account for XXXX years. but I still have my XXXX XXXX XXXX 

Please I would like to have a reason for this decision by Bank of America.

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 2024-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to you regarding the account associated with XXXX XXXX XXXX and XXXX XXXX XXXX  XX/XX/2022, XXXX XXXX XXXX XXXX XX/XX/2022 Inquiries that are still present on my credit report. It has come to my attention that despite numerous attempts to rectify this matter, the account remains unresolved. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: AR

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

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