vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 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: OH

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-23 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 DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE 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 2024-09-23 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: LA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-09-23 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: AL

Complaint narrative:
I am writing to formally express my concern regarding the unresolved disputed accounts on my credit report. Despite multiple requests for thorough investigation into the inaccuracies, I have yet to receive any resolution or corrective action.

These erroneous accounts are severely affecting my credit file, causing considerable hardship and hindering my ability to manage my financial responsibilities. The ongoing presence of these inaccuracies has created significant challenges in my personal and financial life.

I kindly request that you immediately investigate the reporting of these disputed accounts and take the necessary steps to update and rectify my credit report without further delay. It is crucial that these inaccuracies be addressed to restore the accuracy and integrity of my credit file. 

I sincerely urge you to treat this matter with the utmost urgency and appreciate your cooperation in resolving this issue swiftly. 

Thank you for your attention to this critical matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: OK

Complaint narrative:
I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I am a victim of identity theft and have reported the incident. It is essential to address this matter promptly, as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if needed, pursue legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: TX

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

Late Open : XXXX XXXX XXXXXXXX XXXX {$0.00}

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 explanation
Consumer complaint received 2024-09-23 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: AZ

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Wrong Personal Information : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, LA 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 2024-09-23 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: OK

Complaint narrative:
I am filing this complaint on my own behalf regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters about this issue over 30 days ago, I have yet to receive a response or satisfactory validation. I would appreciate your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2024, I mailed in a dispute to remove accounts that are on my credit file due to being a victim of XXXX XXXX. Based on the tracking information ( XXXX XXXX ), Equifax received this mail in dispute on XX/XX/2024 at XXXX PM. I also filed a dispute online on XX/XX/2024 regarding that information that needed to be removed due to my being a XXXX XXXX XXXX  When I called to check the status of the mail in dispute, I was told that they didn't even have my documents. This is now the sixth business day in regards to the mail-in dispute and there is still no update. I called in the morning of XX/XX/2024 to get an update on the online dispute with the confirmation number XXXX and I was told that there is no estimated timeframe to get an update. This is now the eighth business day according to the representative. Based on section 605C of the Fair Credit Reporting Act ; " After receiving your submission, the consumer reporting agency has four business days to block the information. 

However, under limited circumstances, the consumer reporting agency has five business days to request additional information from you. '' All timeframes have passed to both block or request additional information and Equifax has refused to do both.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I mailed in a dispute to remove accounts that are on my credit file due to being a victim of human trafficking. Based on the tracking information ( XXXX XXXX ), Equifax received this mail in dispute on XX/XX/year> at XXXX PM. I also filed a dispute online on XX/XX/year> regarding that information that needed to be removed due to my being a human trafficking victim. When I called to check the status of the mail in dispute, I was told that they didn't even have my documents. This is now the sixth business day in regards to the mail-in dispute and there is still no update. I called in the morning of XX/XX/year> to get an update on the online dispute with the confirmation number XXXX and I was told that there is no estimated timeframe to get an update. This is now the eighth business day according to the representative. Based on section 605C of the Fair Credit Reporting Act ; " After receiving your submission, the consumer reporting agency has four business days to block the information.

However, under limited circumstances, the consumer reporting agency has five business days to request additional information from you. '' All timeframes have passed to both block or request additional information and Equifax has refused to do both.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Attached is all of the documentation. Information was sent on XXXX  and there has been no response from Bank of America. Tried looking it up on the website and there has been no change. I'm not disputing that I purchased items from XXXX XXXX that were shipped out of the country. I'm disputing the Bank of America accepted the payments made and then two month later said the payments were not good. It's being resent because Bank of America is ignoring the last group of information sent.

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 2024-09-23 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Late Open : XXXX XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$520.00} XXXX XXXX {$1400.00} XXXX  XXXX {$0.00} Late Closed : XXXX XXXX XXXXXXXX {$0.00} Charge Off : XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX XXXXXXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$0.00} XXXX  XXXX  XXXX {$1300.00} Collection : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$4800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00}

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 2024-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Been trying to get into a payment plan, no cooperation from the mortgage company. They send me the documentation for curing the default in my account. As they requested including attorney fees {$8100.00}. I had called different days in XXXX trying to get payment arrangement. First they said I have to pay {$3200.00} to start getting the account current. A week after they told me it was {$5200.00} and when I get back the account was on Foreclosure and not even at the day XX/XX/XXXX at the deadline they gave me to paid the {$5200.00}. I have been trying to make payments they don't accept partial payments and keep increasing the minimal amount. The letter they send me I have until XX/XX/XXXX to sent the {$8100.00}. I tried since the XXXX to send it by money gram and it was a global outage for money gram that no where in Florida for the service available. The last option I have since Selene Finance never get the wire information and there office it was closed during the weekend it was to buy a cashier check as payment form it was like that because they don't even allow me to do the payment thru my check account making more complicated the process, and sent check by XXXX  mail. I called today and customer service representative said the offer expired yesterday XXXX  the XXXX of XXXX. I explained the situation and requested a call back from the person managing my account in the loan resolution department. Customer service been not cooperating at all during this process, I never refuse to pay the debt, I have been willing to do it and Selene it's been increasing minimal payment and including attorney fees to get my property into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-23 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: AL

Complaint narrative:
I am writing to formally express my concern regarding the unresolved disputed accounts on my credit report. Despite multiple requests for thorough investigation into the inaccuracies, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely affecting my credit file, causing considerable hardship and hindering my ability to manage my financial responsibilities. The ongoing presence of these inaccuracies has created significant challenges in my personal and financial life. 

I kindly request that you immediately investigate the reporting of these disputed accounts and take the necessary steps to update and rectify my credit report without further delay. It is crucial that these inaccuracies be addressed to restore the accuracy and integrity of my credit file. 

I sincerely urge you to treat this matter with the utmost urgency and appreciate your cooperation in resolving this issue swiftly. 

Thank you for your attention to this critical matter.

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 2024-09-23 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: Early Warning Services, LLC
State: TX

Complaint narrative:
To whom it concerns, Early Warning Services LLC, Does not allow me to login to the consumer portal. Instead when I attempt to reset the password it tells me " Access Denied '' I was sent an email telling me my password reset was denied. To call. I am not sure why it was denied, and I am using my correct email. I am a victim of identity theft, and Early Warning Services LLC, Has several accounts reporting that I did not consent to nor open. These accounts were opened by an identity thief and Early Warning Services, Was sent a Police report, and Identity Theft Affidavit, and Early Warning Services still denied blocking the fraudulent information. I did not fill out any account application. Nor did I provide any of these companies with Identification or account signature. Early Warning Services refuses to let me access my Consumer report also. Which I should be entitled to because of the fraudulent information being reported on my Early Warning Report. However they will not allow me to login. I have not applied for nor utilized any accounts with XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and or XXXX XXXX XXXX. These accounts were opened as Identity Fraud, along with XXXX XXXX XXXX XXXX. I want these accounts blocked from my consumer report. As a victim of identity theft. It is my right to request for the information being reported due to the theft / fraud to be blocked. I have attached a Police Report and Identity theft Affidavit, and I am requesting these accounts to be blocked and for Early Warning Services to provide me access to view my consumer report online again. These accounts should not be reporting on my report, as I did not grant them access to open these accounts to begin with. I did not provide my identification to these companies, and I have not received any monetary benefit or service from these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Names

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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:
XXXX XXXX XXXX XXXX I AM FILING THIS CFPB COMPLAINT TO REQUEST PURSUIT FCRA 605B ( 15 U.S. Code 1681c2 ) THAT YOU THE EXPERIAN REPORTING AGENCY BLOCK INFORMATION ON MY CREDIT REPORT THAT IS AN RESULT IN IDENTITY THEFT AND FRAUD WITHIN 4 DAYS OF YOU RECEIVING THIS COMPLAINT. I HAVE SEVERAL ACCOUNTS ON MY REPORT SUCH AS AUTO LOAN XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX, THSES ACCOUNTS HAVE ADDED FRAUD ACCOUNTS AND ALSO INQUIRIES SHOWING ON MY CONSUMER FICO 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