vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 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: LA

Complaint narrative:
These inaccuracies have been disputed consistently for two years and Experian refusing to correct them. It is very clear that a proper reinvestigation is not taking place. It is also very clear that the CFPB is not doing it's job and ensuring the CRA 's or data furnishers are providing the consumer with accurate report.

My dispute letters will be attached containing the incompleteness and inaccuracies listed on my report. These letters have also been sent to Experian and XXXX XXXX XXXX via certified mail. I can only assume that I will get the same response I have for the past to two years so I legal proceedings will began as well.

This is my final XXXX attempt to correct my consumer report. If you don't fix my XXXX this time, get ready to cut me a XXXX check because I'm suing your XXXX Experian.

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 2024-08-21 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: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-08-21 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: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: FL

Complaint narrative:
I beg you please remove this from the 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 2024-08-21 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: NY

Complaint narrative:
I am lodging this complaint against the credit bureaus because they have repeatedly failed to respond to my dispute letters regarding incorrect information on my credit report. Despite my numerous attempts to resolve this issue through the proper channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even with multiple submissions, the credit bureaus have not provided any response, confirmation of an investigation, or correction of the disputed information. This non-response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days. 

I request that you update, block, or delete the inaccurate accounts and unauthorized inquiries listed 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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am lodging this complaint against the credit bureaus because they have repeatedly failed to respond to my dispute letters regarding incorrect information on my credit report. Despite my numerous attempts to resolve this issue through the proper channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even with multiple submissions, the credit bureaus have not provided any response, confirmation of an investigation, or correction of the disputed information. This non-response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days. 

I request that you update, block, or delete the inaccurate accounts and unauthorized inquiries listed 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 explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Klarna AB
State: TX

Complaint narrative:
XXXX has contacted me on behalf of Klarna, on behalf of XXXX XXXX XXXX. They assert I have a credit agreement with one of these companies. I have no knowledge of a credit agreement. I have not received from any of the XXXX companies, a notice for validation of debts as required by 1006.30. I would like to request : 1. A validation of debt notice ; 2. A copy of the credit agreement from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : Unknown Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, our organization XXXX XXXX transferred XXXX. XXXX through XXXX in favor of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX US dollars. The transfer was returned by the recipient 's bank, but was not received by the sender.

The transfer was seazed by JPMorgan Chase Bank with no reason on XX/XX/year>. Till now JPMorgan Chase Bank refuses to return this money to us/ Our Company XXXX XXXX is not associated with any sanctions associated activities or organizations. 
Since XXXX is under sanctions and can not accept payments in dollars please issue permission to return this money to our account in another XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: NC

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Incorrect Information from Credit Report| FILE NUMBER XXXX Dear Experian, I am writing to formally request the removal of incorrect phone numbers, non-mailable addresses, and misspelled names from my credit report. These inaccuracies not only compromise the accuracy and fairness of my report but also violate federal compliance procedures, as stipulated in 15 U.S. Code 1681e, 1681b, and 1681c. 

Account Information : Name : XXXX XXXX XXXX Social Security Number : Date of Birth : XXXX The following incorrect and non-mailable addresses are listed on my credit report and should be removed : - XXXX XXXX XXXX XXXX, XXXX, PA XXXX - XXXX B XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX - XXXX XXXX XXXX XXXX B XXXX XXXX, PA XXXX - XXXX XXXX XXXX, XXXX XXXX PA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX - XXXX XXXX XXXX, XXXX, PA XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Additionally, the following phone numbers are incorrect and should be removed : - ( XXXX ) XXXX - ( XXXX ) XXXX Moreover , the following misspelled names need correction : - XXXX XXXX - XXXX XXXX  XXXX These inaccuracies in my credit report breach compliance under : - **15 U.S. Code 1681e** : Mandates that consumer reporting agencies ensure accuracy and fairness . 
- **15 U.S. Code 1681b** : Requires that agencies ensure the information is used only for permissible purposes; listing non-mailable addresses without verification or legitimate purpose violates this provision. 
- **15 U.S. Code 1681c** : Mandates accuracy and completeness ; reporting incorrect and non-mailable addresses violates this requirement. 

I kindly request that these inaccuracies be corrected and that you confirm the actions taken in writing. Enclosed are copies of my identification and proof of residence to assist with your verification. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX ; XXXX XXXX ALLRIGHTS RESERVED

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 2024-08-21 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: MN

Complaint narrative:
I am bringing forward this complaint against the credit bureaus due to their consistent failure to respond to my dispute letters regarding inaccurate information on my credit report. Despite several attempts to address this issue through the proper channels, the credit bureaus have not fulfilled their obligation to acknowledge or investigate my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have not responded, confirmed an investigation, or corrected the disputed information. This lack of response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days.

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 2024-08-21 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: MN

Complaint narrative:
I am bringing forward this complaint against the credit bureaus due to their consistent failure to respond to my dispute letters regarding inaccurate information on my credit report. Despite several attempts to address this issue through the proper channels, the credit bureaus have not fulfilled their obligation to acknowledge or investigate my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have not responded, confirmed an investigation, or corrected the disputed information. This lack of response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days.

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 2024-08-21 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: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX -- -- UNAUTHORIZED INQUIRY 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: TX

Complaint narrative:
TrueAccord has contacted me on behalf of XXXX, on behalf of XXXX XXXX XXXX. They assert I have a credit agreement with one of these companies. I have no knowledge of a credit agreement. I have not received from any of the XXXX companies, a notice for validation of debts as required by 1006.30. I would like to request : 1. A validation of debt notice ; 2. A copy of the credit agreement from the original creditor.

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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 requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: NY

Complaint narrative:
XXXX, Trans Union, and XXXX are violating my consumer rights! I am speaking with legal council at this point because I am tried of going back and forward about their inaccurate reporting on my credit file. They keep sending me stall letters! This inaccurate information needs to be immediately deleted from my credit file within 24-360 hrs.

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 2024-08-21 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: AK

Complaint narrative:
I am lodging this complaint against the credit bureaus due to their continuous failure to address my dispute letters regarding inaccuracies in my credit report. Even after several attempts to resolve the matter through the correct channels, the credit bureaus have not fulfilled their obligation to acknowledge or investigate my disputes as mandated by the Fair Credit Reporting Act ( FCRA ).

Despite these numerous submissions, the credit bureaus have not responded, confirmed an investigation, or corrected the disputed information. This non-response is a clear breach of the FCRA, which requires credit bureaus to investigate disputes and reply within 30 days.

.

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 2024-08-21 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: AK

Complaint narrative:
I am lodging this complaint against the credit bureaus due to their continuous failure to address my dispute letters regarding inaccuracies in my credit report. Even after several attempts to resolve the matter through the correct channels, the credit bureaus have not fulfilled their obligation to acknowledge or investigate my disputes as mandated by the Fair Credit Reporting Act ( FCRA ).

Despite these numerous submissions, the credit bureaus have not responded, confirmed an investigation, or corrected the disputed information. This non-response is a clear breach of the FCRA, which requires credit bureaus to investigate disputes and reply within 30 days. 

.

Company response to consumer: Closed with explanation