vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 non-monetary relief
Consumer complaint received 2024-04-05 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: IL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-05 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: CT

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 non-monetary relief
Consumer complaint received 2024-04-05 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: ID

Complaint narrative:
I was the victim of identity theft. There are inquiries on my credit report that are fraudulent and do not belong to me. I have already filed a FTC report. 
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 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aspen National Financial, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I initiated a dispute with ASPEN NATIONAL COLLECTION to request verification and cessation of all collection and reporting activities until the debt 's validity is confirmed. However, to date, I have not received any correspondence from them. 

In addition to the verification request, I also highlighted several inaccuracies within the account, which I believe constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, wherein the furnisher of information is obligated to report accurate information to ensure FCRA compliance .

Among the inaccuracies are the absence of information from XXXX and XXXX, as well as a lack of details from XXXX, including monthly payments, number of months, credit limit, past due amounts, and payment history. These inaccuracies and incomplete information are crucial in disputing the validity of the account. 

Most significantly, I did not receive any notice from ASPEN NATIONAL COLLECTION within five days of allegedly receiving this account. This lack of notice prompted me to file a complaint, as I am unaware of this debt and did not receive proper notification. If ASPEN NATIONAL COLLECTION claims to have sent me proper notification, I request that they provide the certified mail receipt with my signature as evidence of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: IL

Complaint narrative:
I have complained and complained with no results I have sent letters with no response from the credit collection agencies telling them that they are reporting inaccurate information.

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 2024-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-04-05 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 2024-04-05 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: GA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC

Complaint narrative:
New Rez/Shellpoint Servicing no help fixing their own mistakes. I haven't made a late payment in XXXX  years or more. They changed their servicing company entities, but still to XXXX under their umbrella. I came back from a 1 month vacation to foreclosure threats because the servicing company has changed. I recieved a letter before I left that no actions were needed by me. I called that very day of my return and was told if I made a double payment that day it wouldn't not be reported to the credit bureaus. Then I looked into it and the previous servicing company had refunded my 1 month payment to me instead of forwarding it to the new servicer. I was told after spending hours and XXXX phone calls to them of course with long hold times that the employee I spoke to told me the wrong thing, and nothing can be done about it, my credit is affected, oh well, that is just the way it is. They acknowledged that they gave me incorrect information on the phone. In addition, I keep telling them the correct mailing address and they send information to the wrong mailing address for me. What do I get for my hours on the phone, and letters I have written? A credit drop of XXXX points. I waited for a response for 2 months for them to tell me, that it's my problem they make mistakes. Again, that letter was sent to the wrong address, I haven't received it, but they emailed it to me per my request when I called today XX/XX/24 at XXXX XXXX. I advise everyone not to take out a loan if it is serviced by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: CT

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 non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My gas credit card account ending in XXXX with XXXX through Synchrony Bank was closed without my knowledge. 
I just got off the phone and was made aware that my account was closed due to XXXX returned payments within XXXX months that are on automated pay with my bank. 
When I asked the representative if anyone tried to contact me via phone about this, I was told yes, that they had called XXXX times. When I asked if anyone left a voicemail so that I could call them back, she said no. That they don't leave voicemail. 
My question was to them, How is anyone supposed to know who is calling, and what you're calling about if you don't leave a voicemail? 
We, as consumers, keep being told not to answer calls from phone numbers we don't recognize. So I didn't. But I do return all my voicemail. Also, I asked about where in my statement does it show that a payment was returned? And it doesn't. 
The actual verbiage states : ADJUSTMENT-PAYMENTS not RETURNED PAYMENTS. 
Then I asked how, would anyone that did not work for Synchrony Bank know that this is a return payment? She said, she didn't know but that's how they're statements are worded. The representative also stated that she was sorry, but my account was closed. That I could re apply if I chose to. Unfortunately, they dinged my credit by closing my account.

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 2024-04-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The creditor must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 2024-04-05 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I began using Experian 's " BOOST '' program to improve my score ahead of financing a home purchase. All seemed legitimate and well, given that Experian is officially one of the three major credit reporting bureaus. At some point between XXXX  and now, Experian had at least 1 data breach. I just found this out because I purchased a XXXX XXXX recently that scans websites for this kind of information. However, Experian has never disclosed this information. I tried to contact Experian via phone and online chat services, and as usual these are human-less automated distractors that waste one 's time. I could not ever get through to a " specialist. '' Experian has deliberately made it difficult for human contact. Furthermore, the BOOST program highly encourages consumers to input all of their credit-based information such as rent payments, checking accounts, insurance payments, etc. I am certain that 1 ) this is at least unethical, if not illegal, and 2 ) Experian has sold this information to others data brokers.

The BOOST program inflates one 's credit score after the person submits their information. This credit score is not the REAL score that will be used by mortgage lenders. So, what you have here is false advertising and you have a credit agency acting as a private for profit corporation. The information we give over is total and the information we receive is incorrect. Experian does not have transparency in its processes and is not conducting its business ethically, or even legally. 

Upon trying to disconnect my very personal accounts such as checking, etc., my score then dropped. So, this says that if you do not participate in BOOST or if you choose to stop, you will be punished. 

MOST importantly the fact is this : Consumers can not get a REAL, factual score from any entity. This makes for a most unethical situation where we consumers have to " guess '' where we might land no matter what credit reports say. Furthermore, in trying to find out what the real score is from Experian, XXXX, or XXXX, one has to PAY for some sort of shady scheme. If we try to get this information from our bank or other lender, we then have to be willing to lose up to XXXX XXXX  or more on the credit score. 

These credit agencies are not government sanctioned or are they? Who gives them the right to be able to handle such life altering information? 

They have been breached and they deceive you into schemes that allegedly improve your credit, all the while selling your information. None of this is disclosed on their documents, or if the information is disclosed, it is difficult to find.

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 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I reached out to PNC to start a dispute and PNC has not removed the fraudulent loan nor gotten back to me please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: NY

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX || Date of inquiry : XX/XX/2022

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