vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 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: Conn's, Inc.
State: AL

Complaint narrative:
I FILED A POLICE REPORT AND IDENITY THEFT REPORT AND SENT TO A COMPANY CALLED CONNS APPLIANCE. I LIVE IN XXXX AND THIS OCCURED IN XXXXXXXX XXXX. I HAVE NOT RECEIVED ANY GOODS OR GAIN ANYTHING FROM THIS COMPANY AND THEY REFUSE TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: AL

Complaint narrative:
Dear XXXX, I am writing to formally dispute and demand the removal of inaccurate account information that XXXX XXXX has furnished on my credit report, as provided by XXXX. It has come to my attention that this account information is erroneous and violates my rights as a consumer under both federal and state law. 

Upon initial investigation, as mandated by federal law, XXXX  was required to obtain consent from me, the consumer, before including any information provided by XXXX XXXX  on my credit report. However, XXXX  failed to adhere to this requirement, thereby violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Furthermore, in the state of XXXX, where I reside, there are specific laws in place to protect consumers like myself from such infringements. XXXX  law stipulates that consumer consent must be obtained before any private information is furnished to credit reporting agencies. Equifax 's failure to obtain my consent directly contravenes this statute and constitutes a breach of my privacy rights. 

I want to emphasize that I did not give XXXX consent to furnish my private information, nor did XXXX  contact me upon the initial investigation as required by law. This lack of communication and disregard for proper procedure has resulted in unjust and damaging information being included in my credit report, which can have significant repercussions on my financial well-being and future opportunities. 

As a remedy for these violations, I demand that XXXX  take immediate action to : Remove the inaccurate account information furnished by XXXX XXXX from my credit report. 
Cease any further reporting of erroneous information from XXXX XXXX or any other unauthorized sources. 
Provide written confirmation of the removal of said information from my credit report within the legally mandated timeframe. 
Take steps to ensure that proper procedures are followed in future investigations, including obtaining consumer consent and conducting thorough and accurate assessments of reported information. 
Failure to comply with these demands will result in further action being taken, including but not limited to pursuing legal remedies available under the FDCPA and FCRA. I expect a prompt and satisfactory resolution to this matter and will be monitoring my credit report closely for any updates. 

Please acknowledge receipt of this dispute letter and inform me of the actions being taken to address the inaccuracies outlined herein. I can be reached at the contact information provided above. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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 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 non-monetary relief
Consumer complaint received 2024-04-23 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: CA

Complaint narrative:
I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate items that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-04-23 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 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 EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : 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 2024-04-23 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: VI

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2024-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Recovery Solutions Group, LLC
State: MD

Complaint narrative:
Hello, I had a merchant cash advance with this company through my business at the time and when we were close to finishing they offered a refinance and fast talked me into taking it. It was ok at the moment because I had the cash flow. When business slowed down and I wasnt able to get the work I tried to reach out to them to work with on a lower payment and they wouldnt work with me and caused my business to go under. I continued trying to work with them and they could never give me a reasonable payment. They have constantly threatened me with UCC liens and either have a collection agency harassing me daily. I tried to come up with a way to work it out before filing a complaint and now need a lil help. I recently lost my business due to predatory lending taking advantage of the situation. The collection agency that they have constantly harassing me and threatening me with UCC liens information is below XXXX XXXX Recovery Solutions Group LLC XXXX XXXX XXXX XXXX, DE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: OH

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These inquiries are fraudulently on my credit report. I never authorized anyone to run my credit for these companies.

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 2024-04-23 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: PA

Complaint narrative:
I believe FCRA 605B says we have to take out wrong accounts from my credit report. Can you check the papers? Some accounts listed have wrong info about what's owed and when it happened.

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 2024-04-23 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: TX

Complaint narrative:
These are the companies and inquiries that I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX IXXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANK 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 2024-04-23 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: TX

Complaint narrative:
These are the companies and inquiries that I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANK XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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:
Despite my persistent efforts, I've been unable to resolve these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the importance of this matter to me. Should you choose to ignore my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will compel me to demand the immediate removal of these items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
Balance is incorrect

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 2024-04-23 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:
I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts, XXXX Account Number XXXX, XXXX account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX account # XXXX Dnf associate llc account # XXXX, XXXX funding account # XXXX, are not complete and accurate. 

[ XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX account # XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX account # XXXX open date is not reporting correctly, date last active, date of last payment is not correct, balance is different on on all XXXX credit bureau this account is not accurate XXXX network account # XXXX This account information is not accurate. 

Portfolio recovery associate account # XXXX this account information is not accurate open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 
XXXX XXXX XXXX account # XXXX, this account is not 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 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I submitted payment on XXXX XXXX credit card payment app, on XX/XX/XXXX, the app said it would post XX/XX/XXXX, they posted it XX/XX/XXXX and charged me a late fee. This does not seem like fair 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 explanation
Consumer complaint received 2024-04-23 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:
this company removed fraud accounts from my report now they are back reporting them someone has used my info and opened fraud accounts XXXX is in violation of federal law and needs to be held accountable these fraud accounts are XXXX CREDIT COMPANY XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX OF XXXX ACCOUNTS NEEDS TO BE REMOVED THIS HAS BEEN GOIN ON FOR ABOUT A YEAR NOW THIS COMPANY HAS ALREADY COMPROMISED CONSUMER INFO FROM HACKS AND OTHER THINGS AND HAVE BEEN DOIN THIS TO ME FOR YEARS IVE SENT IN POLICE REPORTS AND ID THEFT REPORTS STILL NOTNING HAS BEEN DONE

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 2024-04-23 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:
Despite my persistent efforts, I've been unable to resolve these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the importance of this matter to me. Should you choose to ignore my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the XXXX XXXX XXXX I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will compel me to demand the immediate removal of these items 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 non-monetary relief
Consumer complaint received 2024-04-23 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: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA

Complaint narrative:
In the XXXX  of XXXX, I disputed a collection account posted by American Profit Recovery on both XXXX and XXXX XXXX. After 30 days, the collection account was deleted. Either American Profit Recovery did not timely respond or agreed to remove it, However with the next reporting cycle, the collection account reappeared, I notified both XXXX XXXX and XXXX. XXXX blocked the collection account from reappearing but XXXX XXXX did not and did not explain why, Please note that in XXXX, I sued XXXX XXXX for the exact same issue, therefore this issue apparently has never been fixed with there system.? the lawsuit was filed in the XXXX and was settled in my favor with a payment to me. 

The underlying account was for a lawn service by a company that promised certain things and failed to deliver so we fired them. We use a different service now and have for awhile,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: PA

Complaint narrative:
Kindly eliminate these inquiries. I lack any information about this matter, and the company proceeded without my permission.

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 2024-04-23 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Sir, The Loan ( XXXX XXXX  ) Monthly Payment to LightStream was missed for the month of XXXX due to XXXX Internet Outage  in my area. I have made the payment and due to internet failure, i was disillusioned that the payment was successful. I share the XXXX Outage report but didn't hear any positive result from LightStream and they still maintain the negative reporting to Credit Bureau. 

I have spend several hours and talked to many agents and the people up to Vice President but it turned out to be a fully unsuccessful attempt and rather felt tortured and disrespectful. Unfortunate that in this whole organization there is not even single folks up to the vice president who can understand my situation where i wasn't completely at fault. This accidental internet outage which wasn't under my control. 

Due to heavy impact on my score, it keep me unable to approve the education loan for my son. 

Please help and have Lightstream understand my situation and have remove the negative reporting. FYI.. I have been a Loyal customer of Light stream for about XXXX  months and hav n't missed any payment so far except this accidental One. 

Thank you so much, Please Help! 

Best Regards, 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 2024-04-23 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: WV

Complaint narrative:
Balance is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: WV

Complaint narrative:
Balance is incorrect

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