vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Request for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX Card, I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by XXXX XXXX complies with those standards. To assist in your investigation, I am requesting the following : 1. A detailed review of the information associated with the charged-off account.

2. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history.

3. Correction of any inaccurate or unverifiable information.

4. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: VA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Request for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX Card, I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by XXXX XXXX complies with those standards. To assist in your investigation, I am requesting the following : 1. A detailed review of the information associated with the charged-off account.

2. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history.

3. Correction of any inaccurate or unverifiable information.

4. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, 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 2024-09-30 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: GA

Complaint narrative:
I h

aver 2 account that's is reporting 2 late payments on each account which is INCORRECT. I reviewed my consumer reports and noticed that I had 2 late payments on 2 different accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts 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 2024-09-30 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: TX

Complaint narrative:
Please urgently remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress.

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 2024-09-30 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 urgently remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress.

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 2024-09-30 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I got a collection notice on XXXX XXXX XXXX for XXXX and XXXX for XXXX, but the information does not match on either credit bureaus, I discovered this today,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX, I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by XXXX XXXX complies with those standards. To assist in your investigation, I am requesting the following : 1. A detailed review of the information associated with the charged-off account.

2. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history.

3. Correction of any inaccurate or unverifiable information.

4. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX for Accuracy and Reinvestigation of Charged-Off Account Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX, I am writing to formally request a reinvestigation of the charged-off account associated with my name and/or account number XXXX in accordance with the Fair Credit Reporting Act ( FCRA ). I believe there may be inaccuracies in the reporting of this account to the credit bureaus and wish to ensure that all information being furnished is accurate, complete, and up to date. The FCRA requires that furnishers of credit information maintain strict standards of accuracy, and I would like to verify that the information reported by XXXX XXXX complies with those standards. To assist in your investigation, I am requesting the following : 1. A detailed review of the information associated with the charged-off account.

2. Verification of the accuracy of all reported details, including dates, amounts, and any relevant history.

3. Correction of any inaccurate or unverifiable information.

4. Written confirmation of the outcome of your reinvestigation, including any changes made to the account information. 
Please complete this investigation within the time frame prescribed by law and notify me of the results in writing. If additional information is needed, please do not hesitate to contact me. Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your reinvestigation and any corrective actions taken. Sincerely, 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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Fraud Block Request - I have correctly updated my information identitytheft.gov and attached my police report. I updated account information to the best of my ability, as the account information that are being report attached, I have no knowledge, as they are not my accounts, and information provided by the creditor was vague. Lastly, I have attached my DL, My passport, XXXX statement, XXXX Police Report, XXXX Report, Social Security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: OH

Complaint narrative:
I received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Balance {$5500.00} Date Opened XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: OH

Complaint narrative:
I received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  Balance {$5500.00} Date Opened XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-30 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: IA

Complaint narrative:
These inquiries showed up on my report without my permission and it is causing me undue stress. These were not permitted, and I don't authorize any of these companies to pull these inquiries on 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 2024-09-30 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
From, I return back from my trip. I was out of the country for almost 6 years return this year in XXXX I ask for my credit report from XXXX XXXX and XXXX XXXX and realize that there was an account open in my name without my permission from synchrony. Ive been arguing with synchrony for almost 7 months and they are refusing to take it off 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 2024-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
I have been trying to obtain a buyoff quote for my home. My mortgage company is saying I have to pay a fee to get the quote. I understand there are wire transfer fees, and fees for satisfaction locallly, but was unaware they could withhold my biuyoff quote unless I pay them a fee. 

My bill states that there is a schedule of fees on their website - there is not. They then indicated it is in my contract- it is not. 

My complaint is simple -- I thought the CFPB stated : If you write to ask how much it costs to pay off your mortgage, the servicer generally has seven business days after receiving your request to answer you. 

I thought that meant with my quote not a bill to get the quote. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: OH

Complaint narrative:
I received a copy of my credit reports and am writing to dispute the following fraudulents accounts and information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-10-01 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 2024-10-01 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 2024-10-01 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: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation