vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-19 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: 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 XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-07-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - 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  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-07-19 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: TX

Complaint narrative:
I have contacted XXXX XXXX XXXX XXXX and the credit bureaus at nauseam, in an attempt to get this account verified or removed from my credit reports, and absolutely nothing has been done. The Account Number is XXXX, and it says it's for a collection in the amount of {$1500.00}, and that the account was opened on XX/XX/year>. The date is completely wrong, because I signed up for ZERO new accounts at the time, or even in the vicinity. I do not know what/where/when/who this account is for, and I have asked repeatedly for a copy of the contract via mail, and they refuse to provide me with this information, yet they keep " verifying '' this account when I dispute it without contacting me. This company is lying ; they know this account is fraudulent and they can not verify it, which is why they refuse to send me the documents I am entitled to under law. I am entitled to a copy of the contract they say I owe, which they have listed on my credit reports, but refuse to let me see. I need to receive a copy of this contract that clearly shows I opened this account and owe this money, or I need it removed from my credit report, because it is fraudulent and false, and they refuse to provide me with the information I have requested over and over again. This is against the law, I have the right to obtain the documentation that proves this is mine, and I have not been given what I have requested time and time again. Please remove this from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: MD

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a matter concerning the reporting of secured credit cards on credit reports and the negative impact it has on access to credit and credit scores. I believe this issue needs to be addressed to ensure fair and equal opportunities for individuals located in underserved and underresourced communities seeking ways to build and or rebuild their credit. As an individual who has utilized a secured credit card to build credit history, I have noticed that the reporting of this type of credit card on my credit report is having a marginalizing effect. Despite making payment in full utilizing my own funds, the presence of a secured credit card on my report seems to have a negative impact on my overall creditworthiness. Upon reviewing laws and regulations related to credit reporting, I have learned that the Fair Credit Reporting Act ( FCRA ) governs the collection, accuracy, and reporting of consumer credit information. However, there appears to be a gap in the regulations regarding the treatment of secured credit cards on credit reports and the CFPB priorities anchored in your XXXX XXXX Report to propel XXXX XXXX  XXXX and XXXX. I believe that the current reporting practices regarding secured credit cards are disproportionately affecting individuals who rely on these cards to establish credit. This marginalization could hinder their access to other credit opportunities, such as loans, mortgages, and even employment prospects. Additionally, the negative impact on credit scores can further perpetuate a cycle of limited credit access and financial inequality. At present the XXXX XXXX date XX/XX/year>, from Transunion documents I owe in excess of XXXX to XXXX which is incorrect. I kindly request that the Consumer Financial Protection Bureau investigate this matter as this account is Paid in Full. I request for CFPB to consider implementing regulations or guidelines to address the reporting practices associated with secured credit cards. The goal should be to ensure that individuals located in underserved and underresourced communities who responsibly utilize these cards are not unduly penalized or marginalized in the credit evaluation process by creditors and that it does not negatively impact their ability to access credit due to these reporting errors particularly if accounts are Paid in Full. I appreciate the important work the Consumer Financial Protection Bureau does in safeguarding consumer rights, and I trust that this matter will be given the attention it deserves.

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 2024-07-19 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: MD

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a matter concerning the reporting of secured credit cards on credit reports and the negative impact it has on access to credit and credit scores. I believe this issue needs to be addressed to ensure fair and equal opportunities for individuals located in underserved and underresourced communities seeking ways to build and or rebuild their credit. As an individual who has utilized a secured credit card to build credit history, I have noticed that the reporting of this type of credit card on my credit report is having a marginalizing effect. Despite making payment in full utilizing my own funds, the presence of a secured credit card on my report seems to have a negative impact on my overall creditworthiness. Upon reviewing laws and regulations related to credit reporting, I have learned that the Fair Credit Reporting Act ( FCRA ) governs the collection, accuracy, and reporting of consumer credit information. However, there appears to be a gap in the regulations regarding the treatment of secured credit cards on credit reports and the CFPB priorities anchored in your XXXX XXXX Report to propel XXXX Orders XXXX and XXXX. I believe that the current reporting practices regarding secured credit cards are disproportionately affecting individuals who rely on these cards to establish credit. This marginalization could hinder their access to other credit opportunities, such as loans, mortgages, and even employment prospects. Additionally, the negative impact on credit scores can further perpetuate a cycle of limited credit access and financial inequality. At present the XXXX Summary date XX/XX/year>, from XXXX documents I owe in excess of XXXX to XXXX which is incorrect. I kindly request that the Consumer Financial Protection Bureau investigate this matter as this account is Paid in Full. I request for CFPB to consider implementing regulations or guidelines to address the reporting practices associated with secured credit cards. The goal should be to ensure that individuals located in underserved and underresourced communities who responsibly utilize these cards are not unduly penalized or marginalized in the credit evaluation process by creditors and that it does not negatively impact their ability to access credit due to these reporting errors particularly if accounts are Paid in Full. I appreciate the important work the Consumer Financial Protection Bureau does in safeguarding consumer rights, and I trust that this matter will be given the attention it deserves.

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 2024-07-19 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: LA

Complaint narrative:
For sometime have requested XXXX to report to the 3 credit bureaus this account not past due in XXXX XXXX  2023. It was paid in full on XXXX XXXX 2023 which means before the XXXX of the month. 

I have a letter to this affect. Need them to have the 3 credit bureaus to correct my credit report. I am trying to buy a home for myself and this is blocking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: LA

Complaint narrative:
For sometime have requested XXXX  to report to the 3 credit bureaus this account not past due in XXXXXXXX XXXX XXXX XXXXt was paid in full on XX/XX/year> which means before the XXXX of the month. 

I have a letter to this affect. Need them to have the 3 credit bureaus to correct my credit report. I am trying to buy a home for myself and this is blocking it.

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 2024-07-19 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: 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 XXXX ( 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 XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-07-19 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-07-19 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: CA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-07-19 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:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-07-19 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: NJ

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
On XX/XX/year>, I noticed an entry on my credit report for an account with XXXX XXXX XXXX, listed as a collection account with a past due amount of {$410.00}. The original creditor is SYNCHRONY BANK. 

I believe this account to be inaccurately reported because, under 15 USC 1692c ( c ), once an account is charged off and is no longer collectible, it should not be listed as an active collection account on my credit report. As of XX/XX/year>, the balance of {$410.00} remains inaccurately listed as past due. 

I request that XXXX XXXXXXXX XXXX and SYNCHRONY BANK investigate this matter promptly and remove this incorrect information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
THIS COMPANY IS REPORTING FRAUDULENT INACCURATE INFORMATION ON MY CREDIT REPORT. I HAVE REQUESTED THAT THEY PROVIDE THE PURCHASE AGREEMENT AND WET SIGNATURE TO SHOW FULL OWNERSHIP OF SUCH ACCOUNT AND ALSO OTHER DOCUMENTS, BUT IT NEVER WAS DONE. I'VE ALSO EXPRESSED TO THEM THAT I AM A VICTIM OF IDENTITY THEFT AND A LOT OF MY ACCOUNTS ON MY CREDIT WERE AFFECTED BY THE XXXX DATA BREACH. I WOULD LIKE THIS REMOVED OFF OF MY CREDIT REPORT. ALSO, IT WAS REMOVED ONCE BEFORE BUT THEY ADDED IT BACK. IM SURE THAT WAS ADMISSION TO GUILT. I HAVE BEEN DENIED CREDIT SO MANY TIMES BECAUSE OF IT.

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit was pulled without my permission or knowledge resulting in hard inquiries in my 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 2024-07-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I received a notice from National Credit Systems a third -party collector for {$11000.00}. The debtor claims I owe a debt to XXXX XXXX XXXX and the Tenant is attempting collect fees for breaking the lease agreement without notice. The case was held in court and dismissed for erroneous charges and fraud. The third-party National Credit Systems is aware of the dismissal and reported the debt to my credit regardless of the Court decision XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: VA

Complaint narrative:
I haven't given you permission to furnish a consumer report in my name along with these inquires pursuant to 15 usc 1681b ( 2 ) 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 2024-07-19 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV Funding, LLC has not provided me with any information, the original creditor XXXXXXXX XXXX XXXX sent me 2 written letters stating they have written off both of the accounts in question XXXX and XXXX. I never signed any agreement with LVNV Funding, LLC c/o Resurgent Capital Services and they are not able to show me a signed copy of the agreement with them. The company keeps pulling my credit report instead of doing the investigation to see that LVNV Funding, LLC c/o Resurgent Capital Services and XXXX have no signed agreement. XXXX XXXX XXXX sent me 2 letters confirming both account were written off XX/XX/2024. I need this inaccurate/ incorrect reporting removed from my credit report effect immediately whichin 10 calendar days, due to this erroneous inaccurate reporting that is damaging my character, and my family and I livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: TX

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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