vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX XXXX, I was reviewing my credit report and noticed an account that was not reporting accurately. I have been up to date with my payments, I noticed two late payments on my account. The consumer reporting agencies need to report all information with complete accuracy, I have never missed a payment on ( XX/XX/XXXX and XX/XX/XXXX ). I understand 15 U.S. Code 1681 according to federal law 15 U.S. code 1631a ( 2 ) ( A ) a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I will gladly request for you to investigate this account and update these payments to show as paid on time immediately. Thank you for your help and understanding.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have disputed this collection XXXX XXXX XXXX with the credit bureau over 3 times on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and XX/XX/year> I do not have a contract with XXXX XXXX XXXX and they did not provide me the original contract as requested Correction to 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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Complaint Details : This complaint is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies, including XXXX, investigate and correct inaccurate information on consumer credit reports. Despite multiple requests, XXXX has failed to remove fraudulent inquiries from my credit report, and my report continues to reflect addresses and phone numbers that do not belong to me. 

Background of Dispute and Negligence by XXXX : Due to identity theft, my credit report includes numerous fraudulent inquiries, incorrect addresses, and phone numbers that are not associated with me. I have contacted XXXX on multiple occasions, provided evidence of my actual contact information, and formally requested that they remove these erroneous entries. I have also submitted the following information to aid in the investigation : My correct phone number : XXXX My correct address : XXXX XXXX XXXX XXXX XXXX XXXX My correct email : XXXX Despite my efforts and compliance with XXXX 's documentation requests, the fraudulent inquiries and incorrect information remain on my report. This negligence has caused severe financial hardship, including denial of a {$25000.00} personal loan from my bank, XXXX XXXX XXXX XXXX, and various car loan applications from other institutions, all of which now reflect on my report as soft inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Complaint Details : This complaint is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies, including XXXX, investigate and correct inaccurate information on consumer credit reports. Despite multiple requests, XXXX has failed to remove fraudulent inquiries from my credit report, and my report continues to reflect addresses and phone numbers that do not belong to me. 

Background of Dispute and Negligence by XXXX : Due to identity theft, my credit report includes numerous fraudulent inquiries, incorrect addresses, and phone numbers that are not associated with me. I have contacted XXXX on multiple occasions, provided evidence of my actual contact information, and formally requested that they remove these erroneous entries. I have also submitted the following information to aid in the investigation : My correct phone number : XXXX My correct address : XXXX XXXX XXXX XXXX XXXX XXXX My correct email : XXXX Despite my efforts and compliance with XXXX 's documentation requests, the fraudulent inquiries and incorrect information remain on my report. This negligence has caused severe financial hardship, including denial of a {$25000.00} personal loan from my bank, XXXX XXXX XXXX XXXX, and various car loan applications from other institutions, all of which now reflect on my report as soft inquiries.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ) by TransUnion. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial situation.

Complaint Details : 1. Failing to Ensure Maximum Possible Accuracy The FCRA requires credit bureaus and creditors to ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been handled inadequately, demonstrating a failure to meet the FCRA 's accuracy standards.

2. Inadequate Investigation and Reliance on Automated Verification Systems Under the FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus are required to conduct thorough investigations of disputed information. However, my past disputes have been met with automated responses through systems such as e-OSCAR, which do not meet the legal requirements for a full investigation. This approach neglects a comprehensive review of disputed entries, perpetuating inaccurate information on my report.

3. Failure to Comply with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate account statements and disclose essential account information to consumers. XXXX has failed to comply with TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 4. Violation of FDCPA Rules on Accuracy and Non-Deceptive Practices The FDCPA requires debt collectors and information providers to report accurate and verifiable data. The accounts in question have been repeatedly reported incorrectly, with misleading information that has not been corrected despite my disputes, which is a violation of FDCPA protections.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: OK

Complaint narrative:
: Dispute of Charges Related to Apartment Flooding I am writing to formally dispute the charges being reported by Hunter Warfield regarding my former residence at XXXX XXXX XXXX XXXXXXXX XXXX due to significant damages caused by a leak that was not properly addressed by the management. 

During my time living in the apartment, I experienced a severe leak that took XXXX hours to locate the shut-off valve, and an additional XXXX hours to identify the source of the leak, which was ultimately traced to my neighbors unit. The flooding in my apartment was extensive, leading to significant damage and forcing me to relocate to a hotel for a month and a half. 

Despite the severity of the situation, I was never provided with adequate repairs or remediation. The only action taken by the management was to place a fan in the apartment, which did not address the underlying issues or the damages incurred. 

Given these circumstances, I believe it is unjust to hold me responsible for charges related to damages resulting from the management 's failure to address the leak in a timely and effective manner. I kindly request that you review the details of my case and remove any related charges from my credit report. 

Please let me know if you require any additional information or documentation to support my dispute. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted a dispute to you and i didn't get a response within 30 days and ya 'll are required by law to do so. Please investigates my disputes, Please. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally express my concerns and dissatisfaction with the significant discrepancies in the credit scores reported by Equifax compared to XXXX. Despite demonstrating responsible credit behavior and actively working to reduce my debt, I have noticed that my Equifax score remains substantially lower than my XXXX score. This discrepancy is not only confusing but also seems unjust, as it affects my financial standing and access to fair lending opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and accurate credit report, and credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. The inconsistent scoring between Equifax and XXXX raises serious questions about Equifax 's adherence to this legal obligation. Given the importance of credit scores in determining access to credit, loans, and even employment opportunities, the impact of an inaccurate score is far-reaching and damaging to my financial well-being. 
I request that Equifax re-evaluate the data being used to calculate my score, correct any inaccuracies, and ensure my score aligns with the efforts I have made to improve my credit. 
I trust that you will address this matter with the urgency it deserves, and I look forward to a prompt and fair resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have submitted a dispute to you and i didn't get a response within 30 days and ya 'll are required by law to do so. Please investigates my disputes, Please. Thank 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 non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have submitted a dispute to you and i didn't get a response within 30 days and ya 'll are required by law to do so. Please investigates my disputes, Please. Thank 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 2024-11-13 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: FL

Complaint narrative:
My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My requests to correct and remove false and inaccurate information on my credit report keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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