vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 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: CA

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-05-20 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: CA

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-05-20 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:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: NY

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: TX

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/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 2024-05-20 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: NY

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-05-20 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: MN

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XXXX XXXX XXXX and I have not yet received a response. ''

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 2024-05-20 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: MN

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/2024, and I have not yet received a response. ''

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following tradeline that the agency published about me is inaccurate and incomplete!

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 2024-05-20 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: CA

Complaint narrative:
I'm DISPUTING inaccurate personal information found on my credit report. This information is NOT ME and I have NO RELATIONSHIP to it. Please remove this information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for willful noncompliance to FCRA regulations. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I opened a business bank account online with Chase Bank. The account was opened and I set up online banking. The same day I received an email stating that my account was locked and to call for verification. They said that theyneeded to send a text to my number but never received the text. They said that I would need to come into the bank to verify my identity. I was told that I had twn days to come in or my account would be closed. I went into the bank and was told that they had closed my account already and I came in within the ten business days. I was told to call a number. I did and again, they told me to go into the bank. I told him I am at the bank. The teller stalled and did not want to call the number to open my account. I then said to call the number, about thirty minutes passed and he called the number and they told him to ilopen my account. He starts asking me questions which was already verified. Then he said he had an appointment and that I would have to come back tomorrow. I made the appointment but felt un easy going back to him so I went to another branch. Ther person who was set to help me said that he had 40 kinutes to his next appointment. He called and was a quick call and he told me the same thing, that he would need to make an appointment to help me. I started to feel uneasy. No one was in the bank and it was very quiet. Istarted to feel uneasy again, so I stated that I felt discrimination against because the same thing was happening with the other representative. He said well let 's make an appointment. What day do you want to come in? I said Monday. He said, well my schedule is full for Monday. I said I was going to call and make a complaint. I called thebank and was transferred several times, was told I should speak to several different people and finally my complaint was taken. I was also given the number to an executive director who never returned my call. I apllied for another bank and was denied for verification as well. I believe there is a flag on my profile now because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I visited XXXX XXXX XXXX XX/XX/XXXX. Upon leaving they sent me bill. I called to give them new card information and spoke with several people. After a few weeks I get a letter stating I owe the debt. I contacted the collection company to tell them to have great wolf contact me about debt because I gave them all the information to take payment. Upon calling great wolf lodge XX/XX/XXXX they stated my balance was {$0.00} and there is no balance owed. The young lady I spoke to also sent me final bill for my reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: CA

Complaint narrative:
I'm DISPUTING inaccurate personal information found on my credit report. This information is NOT ME and I have NO RELATIONSHIP to it. Please remove this information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for willful noncompliance to FCRA regulations. XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX 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 2024-05-20 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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

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 2024-05-20 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:
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. I ask Experian, XXXX, and XXXX to reinvestigate these accounts : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX XXXX  Account # XXXX Reason : Account is fraudulent AccountName : XXXX Account # XXXX Reason : Account is fraudulent Account Name : XXXX Account # XXXX Reason : Account is fraudulent. Account Name : XXXX XXXX XXXX Account # XXXX Reason : 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 non-monetary relief
Consumer complaint received 2024-05-20 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:
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. I ask XXXX, Transunion, and XXXX to reinvestigate these accounts : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : 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 Reason : 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 non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The following tradeline that the agency published about me is inaccurate and incomplete!

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
Credit Acceptance has marked my complaint has duplicate. I am requesting that payment history of all of my payments since my contract has been in standing with the company. I still have not received a requested copy.

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 monetary relief
Consumer complaint received 2024-05-20 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: TN

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Subject : Formal Notice of Non-Compliance and Intent to Initiate Legal Action I am writing to provide formal notice of non-compliance with the Fair Credit Reporting Act ( FCRA ) by your credit reporting agency. This letter is to inform you that several inaccuracies on my credit report, involving previously resolved and deleted accounts which have been unauthorizedly reinserted, have not been corrected despite prior disputes and communications. This notice also references an active Federal Trade Commission ( FTC ) report pertaining to these matters. 

Detailed Account Information : Previously Deleted and Unauthorizedly Reinserted Accounts : XXXX XXXX Account Ending in XXXX XXXX XXXX Account Ending in XXXX ( Note : This account is listed twice, indicating a potential error in reporting. ) XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Ending in XXXXXXXX XXXX XXXX Account Ending in XXXX Incorrect Collection Account XXXX XXXX XXXX Reported Amount : {$1500.00} Discrepancy : This collection account is inaccurately associated with my financial records. 
Actions Required : Immediate Removal of Reinserted Accounts : As these entries were previously investigated and determined to be inaccurately reported resulting in their removal, their reinsertion violates the FCRAs provisions concerning the accuracy and integrity of credit reporting.

Correction of Erroneous Collection Entry : The collection account reported under XXXX XXXX does not pertain to any of my financial activities and must be removed immediately to reflect accurate credit information. 
I am prepared to take legal action if these issues are not resolved within the stipulated 30-day period as mandated by the FCRA for dispute resolution. Please consider this letter a final notice before I pursue further legal remedies, including seeking statutory and punitive damages for non-compliance. 

I request written confirmation of the receipt of this notice and detailed documentation of the steps your agency will take to rectify these errors. Immediate attention to these matters is crucial and highly anticipated.

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