vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX : TEXAS XXXX XXXX XXXX  account on my credit report-There are ( 2 ) accounts on my credit report with the same account/case number but different open dates. I have sent 6 disputes by mail and online with supporting documents showing I have only ( 1 ) open case with TEXAS XXXX  and the correct start date along with my payment history and pay stubs with no late payments but no resolution. XXXX states creditor verified the duplicate cases which makes no sense. I cant get a response from TEXAS XXXX on it.. EXPERIAN : TEXAS XXXX XXXX XXXX account shows that the account was opened in XXXX and all late payments in XXXX. I didn't even get divorced till XXXX. The case was opened in XXXX. Again, sent numerous documentation including the judges order stating the date the account/case was opened and payment history showing all payments made on time and started in XXXX. EXEPERIAN states that TEXAS XXXX verifies that the account was open in XXXX even though I have court documents and TEXAS XXXX documents showing XXXX. I cant get any response from TEXAS XXXX. I just need TEXAS XXXX to report my payments history and account start dates correctly. I am not sure what else to fix these errors with XXXX, EXPERIAN and TEXAS XXXX XXXX SUPPORT. I requested for documentation from all XXXX in writing and online showing their verification and method of verification as I had the court orders signed by a judge and TEXAS XXXX case details. I was not provided this in the XXXX disputes that I requested from all 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 2024-07-25 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:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX XXXX, I went to Bank of America to deposit a check for {$68000.00} at the time I made the deposit I was told that they would put a hold on the check and would release {$5300.00} on XX/XX/XXXX after XXXX XXXX  and the remaining balance would be made available on XXXX XXXX after XXXX XXXX. The deposit was made at XXXX XXXX on XXXX XXXX. I subsequently have found that the hold is actually the entire check and at XXXX XXXX. The entire check was held because they had indication that the check may be fraudulent with the bank at XXXX and the funds are available. It's not a fraudulent check, Bank of America lied to me when I made the deposit they bait and switched. If I knew the entire check was not gon na be made available until the XXXX. I would've gone to XXXX XXXX  to cash the check and bring the cash to Bank of America. Bank of America will say that that in their terms of service that they can put a hold on a check at any moment but what Bank of America confirmed was it when I made the deposit XXXX XXXX  and was told that funds would be made available on the XXXX after XXXX XXXX  that in fact, the entire check was going to be held because the times that were put on the account were exactly the same. Bank of America said they saw were XXXX would be made available and that was decided at XXXX XXXX  on the XXXX and yet again at XXXX XXXX  on the XXXX the entire check was held, to be released on the 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 2024-07-25 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-07-25 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-07-25 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 am writing to formally address the recent denial of my demand to remove certain non-public information from my consumer report, specifically the inclusion of bankruptcy information. Your response to my last complaint was wholly inadequate and ignored the pertinent details of my request. I advised in my prior complaint that Equifax DOES NOT have permission to share non public information pertaining to a bankruptcy and their response was they verified it. Well I have proof from the US Bankruptcy court saying they do not send private information to anyone so that means Equifax received this information from a third party that also did not have my permission to seek out the info nor share it. I want to know where Equifax got this information from, dates that this company verified it, and the names of those individuals acting on behalf of Equofax and whatever other third party they use to fish out people 's private information. This is my last demand, not request, for this information to be removed before I assert my rights legally. I am attaching Equifax 's response which includes absolutely no detail on their verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: WV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-07-25 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: VA

Complaint narrative:
XXXXXXXX XXXX keeps showing up on my credit report. This is not my account I have never heard of them before. It says collection for XXXX. Ive never had sprint either. I would like this removed.

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 2024-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon checking my credit report I noticed multiple unauthorized inquiries on my credit report I did not authorize due to the fact my wallet was stolen and Id along with my ssn card was stolen. I call XXXX TransUnion and XXXX credit reporting agencies today about XXXX as instructed to by my local police department crime report # XXXX that I obtained my identity theft police report from. Unfortunately that wasnt possible after speaking to fraud department agent XXXX team name : XXXX  who became very aggressive belligerent with me during my attempt to dispute my fraudulent inquiries. Which she stated I cant dispute this inquiry because you have an account associated with it but that was a compete lie. So I then asked to speak to a supervisor and she transferred me to supervisor agent XXXX I asked him to provide me with his id number or team name and he refused it stating he cant give that information. I then acknowledged to him that his agent XXXX aka XXXX lied and told me I had an account with XXXX XXXX XXXX  and he admitted I didnt have an account from XXXX XXXX XXXX  and that he apologized for the mistake. I accepted the apology and proceeded to move on with my disputes but he informed me that he couldnt help me moving forward with my disputes so here I am now having to dispute these inquiries with the cfpb. Please delete unauthorized inquiries as follows for I dont have any accounts associated with them nor did I receive any credit from them : 1. XXXX -XX/XX/24 2. XXXX XXXX XXXX XXXX XXXXXX/XX/24 3. XXXX XXXX XXXX- XX/XX/24 4. XXXX XXXXXX/XX/24 5. XXXX  XXXX XX/XX/24, XX/XX/24 6. XXXX  XXXX XXXX XXXX XX/XX/24,XX/XX/246.XXXX XXXX XXXX XX/XX/24,XX/XX/24 7. XXXX XXXX XX/XX/24,XX/XX/24XX/XX/year>

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 2024-07-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
I have discovered that SUNRISE CREDIT SERVICES, INC. is reporting inaccurate information on my credit report without ever notifying me about the alleged debt, my rights to dispute or pay it, or the potential impact on my credit report. This failure to provide proper notification and accurate information violates my rights under both the Fair Debt Collection Practices Act ( FDCPA ), specifically sections 1692e ( prohibiting deceptive practices ), 1692g ( mandating debt validation ), and the Fair Credit Reporting Act ( FCRA ) section 1681s-2, which requires creditors and debt collectors to furnish accurate information to credit reporting agencies.

Under the FDCPA ( 15 U.S.C. 1692g ), debt collectors must provide consumers with specific information about their debts and their rights. If the debt collection company claims they sent an initial letter, I request proof of this notification sent by certified mail, as required by law. This inaccurate reporting has significantly harmed my credit profile, impacting my financial standing. I expect this serious violation to be rectified immediately to ensure compliance with federal law.

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 2024-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Calling every day, at least once a day since XX/XX/24. 
On XX/XX/24, this company called me twice back at back at XXXX am and XXXX am. 
Since XX/XX/24, this company has called me every business day they are open ( M-F ). Ive attempted to block this caller from my phone but they have been contacting me still from different phone lines within their company and never leaving a voicemail. On XX/XX/24, they called and left a simple voice mail stating it was Transworld Systems and I needed to call back. A simple XXXX search says this is a debt collection agency but I do not have any written notices from this company on regarding any debt. Each number contacting me by this company starts with ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ XX/XX/2024 ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: FL

Complaint narrative:
Inaccurate late payment remarks XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: FL

Complaint narrative:
Inaccurate late payment remarks XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/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 explanation
Consumer complaint received 2024-07-25 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: IL

Complaint narrative:
I am a victim of identity theft, I do not identify as any other names. I only identify as XXXX XXXX and my current and only address is 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 2024-07-25 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: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I recently reviewed my credit report, I found that LVNV FUNDING obtain my information under false pretense and used it to cause actual damages to my credibility. To optain and use someone information without their consent is " IDENTITY THEFT ''. I am asking LVNV FUNDING to provide me a copy of a contract that I XXXX XXXX give them permissible purpose to obtain and used my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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 am writing to express my profound frustration and disbelief regarding the charge-off listed on my credit report for account opened on XX/XX/year> at XXXX XXXX XXXXXXXX XXXX This entry is not only inaccurate but also unjustly damaging my creditworthiness and overall financial reputation. 

I dispute the charge-off status associated with this account for the following reasons : According to my financial records, I have consistently met all payment obligations related to this account. The charge-off entry is completely erroneous. I have never received any notice or communication from your office indicating missed payments or delinquencies. I demand a full review and correction of this false reporting immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: ND

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ XX/XX/year> ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief