vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-18 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:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Im sending this new complaint now because the cfpb stated that my previous complaints were closed after the credit bureaus replied with false information. 

I have contacted XXXX and all three credit reporting agencies on multiple occasions regarding the incorrect information on my credit reports. I have contacted them directly in writing and via the Consumer Financial Protection Bureau ( CFPB ) complaint portal. 

XXXX has never contacted me directly. I have never received information from them. They failed to validate/ verify within the timelines provided by the FDCPA yet continue to assert a claim over me via the credit reporting agencies. This is illegal. By law, XXXX must stop all collection attempts, including reporting to agencies. 

All credit reporting agencies have claimed to have done an investigation regarding the supposed debt and found the debt to be accurate. This is either a lie or a huge mistake. 

If they had in fact investigated, they would have found that XXXX has no proof of anything at all. 

- Did XXXX send me any information regarding the alleged debt and that I have a right to request verification and/or validation? No. 

- Once I saw the XXXX account on my credit report and requested verification / validation from XXXX, did they reply to me? No. 

- Did any of the credit reporting agencies provide me with any proof that they 1 ) did an investigation at all, and 2 ) received proof / verification/ validation from XXXX? No. 

Instead, what the reporting agencies did was move XXXX from an the original creditor to and active collections account to a closed account. None of these changes fixed the problem of an inaccurate account on my file. Instead, it just proved that no one has any information but rather they are determined to post something - anything- negative on behalf of XXXX. 

By law, they can not randomly change things around and call it " fixed. '' By law, inaccurate information must be removed. 

XXXX has no proof that they verified/ validated the debt- or even contacted me at all- because they did not. As a result, no credit reporting agency has this information from any supposed investigation. 

By law ( FDCPA for XXXX and FRCA for all 3 reporting agencies ), must immediately stop collection attempts, including the reporting of this information on my credit file. 

It should not take MONTHS of my life to assert my rights under the above-named federal laws.

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 2024-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I applied for the Apple Credit Card on XX/XX/year> because they have a program to buy a computer on monthly installments for 0 % interest if you have the card. I was approved for a credit limit of {$4500.00}. On XX/XX/year>, I went to purchase the computer online using the installment plan, and the transaction was declined. I tried once more on a different device, and it was declined again. I contacted Goldman Sachs ( the bank that oversees the Apple Card ) and was told I would need to buy the computer flat out with the Apple Card ( which, according to the Cardholder Agreement, would subject me to the interest rate of 27+ % ), then they would convert it to an installment plan with 0 % interest. I shared I am not comfortable with that as a resolution because they are only communicating this verbally and that does not line up with the written agreements of Goldman Sachs nor the written policies of Apple. They shared that if I did this process, I would not be able to make payments in advance. They shared they can escalate it to Tier 3 support, but the resolution would take several days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-07-18 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I closed my XXXX account on XX/XX/year>. I received credit after the closing so I had a negative balance. The billing cycle ended on the closed account XX/XX/year> and there has been no issuance of a credit refund check. They are holding my money and I never agreed to loan them money on a closed account. They owe me daily interest on the balance they owe me. Such a deceitful and shady company with unethical business practices.

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 2024-07-18 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: VA

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AZ

Complaint narrative:
My car history reports have been misrepresented and for having no fault of my own. I have had two accidents in the past, both of them were not my fault. I had two cars. Both were insured with XXXX. The first accident was when I was while driving my XXXX XXXX on XX/XX/year> and got hit by someone who had no insurance. That is showing as not my fault. 
The other one was on my parked XXXX XXXX. Someone had crashed into my park car, which went into total. That one is showing as my fault. This has damaged my insurability and raised my insurance. 

I have not been able to talk to LexisNexis over the phone. I need some way of communicating with them. I am willing to go to physical office to dispute this. I live in XXXX, AZ. I need help connecting with them in person or over the phone. I can only receive messages to go to their website and fill out forms, which I have done it. 
I have received a mail with to go to link https : XXXX But, when I to that link, it gives the message, " Page not found ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please review my report. I noticed the creditors are not cooperating with my request to delete this inaccurate information from 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 explanation
Consumer complaint received 2024-07-18 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:
I am writing to formally dispute the charge-offs reported by your companies to the credit reporting agencies regarding the accounts listed below : Account Number : XXXX XXXX Account Number XXXX Closed Status : Account charge off. {$12000.00} Account Number : XXXX XXXX XXXX Account Number XXXX Closed Status : Paid in settlement. {$810.00} Written off Under 15 U.S. Code 1692, I never provided written consent to furnish or obtain my personal information related to these accounts. According to the Fair Debt Collection Practices Act ( FDCPA ), any information furnished must be accurate and compliant with legal requirements. The inclusion of these charge-offs on my credit report is unauthorized and constitutes a violation of my rights under federal law. 

Furthermore, I reserve the right to utilize the arbitration process to seek compensation of {$1000.00} for each negative item reported without my written consent. The inaccuracies on my credit report have caused undue harm and financial distress, and I intend to hold your companies accountable for these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to file a formal complaint against Equifax, for failing to conduct a reasonable investigation into disputed items on my credit report and not providing me the information I requested on how they have verified the inaccurate item on my credit report. 
On XX/XX/2024, I mailed a dispute letter to Equifax requesting an investigation into the inaccurate item present on my credit report. However, despite my efforts, I did not receive a response from Equifax regarding the information that I requested from them. This lack of communication has left me deeply concerned about the accuracy and integrity of my credit report, as well as the potential impact it may have on my financial standing. 
In my dispute letter, I requested detailed information on how Equifax verified the accuracy of the disputed items on my credit report. Specifically, I asked for : The date they contacted the creditor and furnisher. 
The contact information of the creditors and furnisher. 
The name of the person who verified the disputed items. 
The method of communication used to conduct the investigation. 
Confirmation of whether the creditor and furnisher provided my Social Security Number, date of birth, and proof of address. 
I believe that Equifax 's failure to respond to my dispute letter violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies, such as Equifax, must promptly investigate any disputed information and provide a timely response to consumers. 
Furthermore, the absence of any communication from Equifax has left me without recourse or opportunity to address the inaccuracies present on my credit report, thereby jeopardizing my ability to access credit on fair and accurate terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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: IL

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Well XXXX are planning on taken XXXX out my account for some pills that was order off the internet that I didn't order I sent the pills back and told them I didn't order this .They said they told Wells Fargo this and I didn't order them I think are abusing my intelligent because of my age because Im a senior citizen and I dont need to order those pills off the Internet I get my pills from the doctor. I don't have money to give away for something I didn't order.

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 2024-07-18 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: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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: SC

Complaint narrative:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX  As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

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 non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
After receiving a copy of my XXXX XXXX consumer report I noticed a collection had been put on my account between XXXX or XXXX of XXXX. Im unaware of this debt and where it arrived from.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
I received email from my credit card company about my credit score. This scam company is trying to make me pay their so called debts to make payment. So I want to fix my credit score. Scam company name ; Transworld system INC. Reported amount {$1200.00} and {$430.00}. I never received any letter or email or phone from this company. I just know from my credit card company. I already reported to my credit card company, XXXX XXXX XXXX. I appreciate your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: IL

Complaint narrative:
This is my refilling to the TRANSUNION. I have reached out to the following accounts below for so many times and talked to them about the issue with my accounts as reported by the TRANSUNION. They have advised me that they will DELETE the accounts, however, as I reviewed my recent report these accounts are still reporting. I am not sure how the TRANSUNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

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 2024-07-18 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: FL

Complaint narrative:
I am personally filing this complaint regarding late payment entries on my credit record. During my review, I identified these late payment notations. I sent correspondence about this issue more than 30 days ago, but have received no reply, nor has adequate validation been provided. I seek your help in addressing and resolving this situation.

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 2024-07-18 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: FL

Complaint narrative:
I am personally filing this complaint regarding late payment entries on my credit record. During my review, I identified these late payment notations. I sent correspondence about this issue more than 30 days ago, but have received no reply, nor has adequate validation been provided. I seek your help in addressing and resolving this situation.

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 2024-07-18 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: FL

Complaint narrative:
I am personally filing this complaint regarding late payment entries on my credit record. During my review, I identified these late payment notations. I sent correspondence about this issue more than 30 days ago, but have received no reply, nor has adequate validation been provided. I seek your help in addressing and resolving this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
SEQUIUM ASSET SOLUTION XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account : XXXX Account Name : XXXX XXXX  Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX  ) & ( XXXX XXXX XXXX XXXX XXXXXXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I spoke to a representative today and asked him about this account from XXXX XXXX XXXX account # XXXX. They told me they have no such account from that creditor and no balance of {$270.00} to my name phone number or social or address yet and still is reporting on my credit report. I disputed this with the credit reporting agencies XXXX and Equifax to which all said they verified this information. Which I know is a lie and violates my natural rights and all laws in conjunction with the fair credit reporting act and the fair debt collection practicing act. I'm preparing to SUE parties involved for violating my rights! 

I WILL SEEK MONETARY DAMAGES IF THIS ACCT IS NOT REMOVE IN 72 HRS AND AS I INSTRUCTED THE REP TODAY THE CALL WAS BEING RECORDED .... SO I HAVE MY PROOF

Company response to consumer: Closed with explanation