vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-10 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: TN

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous INQUIRIES on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: TX

Complaint narrative:
The presence of these accounts on my credit report has significantly affected my financial standing. I've encountered challenges in securing loans, obtaining credit cards, and even renting properties due to the negative impact on my credit score. The situation has also caused me undue stress and XXXX, affecting my overall financial well-being.

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 2024-10-10 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 am writing to express my concern about the disputed accounts on my credit report. I have raised issues regarding inaccuracies multiple times and have consistently requested thorough investigations. Unfortunately, I have yet to receive any resolution or corrective action.

These erroneous accounts are significantly damaging my credit file and affecting my ability to lead a normal life. The negative impact of these inaccuracies has created considerable hardships for me, and I am reaching out for your assistance in resolving this situation as quickly as possible.

I kindly request a comprehensive investigation into each of the disputed accounts. It is essential that steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being.

I urge you to prioritize this matter and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : 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 2024-10-10 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: MO

Complaint narrative:
While reviewing my most recent credit report ( s ), I noticed fraudulent inquiries that I do not notice nor did I authorize anyone to pull my credit report. The inquiries are as follows below PLEASE REMOVE THE FOLLOWING FRAUDULENT INQUIRIES : XXXX : XXXX XXXX XXXX ( XXXX ) XXXX : XXXX XXXX ( XXXX ) XXXX : XXXX ( XXXX ) XXXX : 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 XXXXXXXX ) EQUIFAX : XXXX XXXX XXXX XXXX XXXX ) EQUIFAX : XXXX XXXX ( XXXX ) EQUIFAX : XXXX XXXX ( XXXX ) EQUIFAX : XXXX XXXX XXXX XXXX XXXX ) EQUIFAX : XXXX XXXX  ( XXXX ) EQUIFAX : XXXX XXXX XXXX XXXX XXXX ) EQUIFAX : XXXX XXXX BANK ( XXXX ) EQUIFAX : XXXX XXXX ( XXXX ) EQUIFAX : XXXX XXXX BANK ( XXXX ) EQUIFAX : XXXX XXXX XXXX XXXX ) EQUIFAX : XXXX XXXX XXXX XXXX XXXXXXXX ) EQUIFAX : XXXX ( XXXX ) EQUIFAX : XXXX XXXXXXXX XXXX  ( XXXX ) XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX : XXXX XXXX XXXX XXXX XXXX ) 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 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 XXXXXXXX XXXX XXXX XXXX ) Please validate information with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of such documentation, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C 1681b ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: TX

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 2024-10-10 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: WA

Complaint narrative:
I received notice from Experian on XX/XX/XXXX they completed their investigation as the alleged debt belongs to me. But, my rights to dispute, verify and or validate have been denied due to the fraudulent address thats still listed on my credit report for XXXX XXXX XXXX. Ive tried to contact them numerous times to advise not only am I disputing the debt, but the statute of limitations in the state of XXXX  is 6 years. Per XXXX, this debt started XX/XX/XXXX, therefore per the applicable XXXX in XXXX  state, is now expired. XXXX XXXX XXXX did not respond to any of my certified letters. Lastly, I sent the same documents to XXXX as I did Experian and they remove the collection from my credit report XX/XX/XXXX. How am I supposed to properly dispute a debt if XXXX XXXX XXXX refuses to accept certified mail?

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 2024-10-10 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: TN

Complaint narrative:
I am writing to formally request an investigation into several inaccuracies on my credit report. On multiple occasions, I have disputed the erroneous accounts listed on my report and have requested thorough investigations, but I have yet to receive a satisfactory resolution. 

The presence of these incorrect accounts is causing significant damage to my credit file and adversely impacting my financial health and overall quality of life. These issues have resulted in numerous hardships, and despite my continued efforts to rectify them, no corrective action has been taken. 

I am now requesting your urgent assistance in conducting a detailed investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to ensure the accuracy of my credit report and to update the information accordingly without further delay. 

Please treat this matter with the utmost priority, as restoring the integrity of my credit file is essential for me to regain control of my financial standing. Your prompt action and cooperation in resolving this issue will be greatly appreciated. 

Thank you for your attention to this matter, and I look forward to your swift response.

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 2024-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SACOR FINANCIAL, INC
State: AZ

Complaint narrative:
In XXXX a suit was filed by Columbia Credit Services XXXX XXXX XXXX XXXX XXXX against me for a credit card loan they allege I owed. Because I was unaware of this action, I did not attend the hearing and a judgement was entered against me for approximately {$7200.00}. The judgement was renewed in XXXX and one final time in XXXX. 

In XXXX, while attempting to qualify for a home loan, it was noted by the underwriter that there was an unpaid judgement against me for approximately {$17000.00}. Because I do not recall ever having a credit line that large ever at that point in my life, I contacted the attorney of record and tried to negotiate a settlement offer so it would not affect my mortgage. The attorney refused and ultimately filed an additional claim for his fees. He was not able to verify the original creditor, the original loan amount, or the high interest rate ( 10 % ) cited in the court filing. Nor did they produce documentation to verify. 

According to the court filing, the original judgement was last filed on XX/XX/XXXX. No more renewals were filed until XXXX XXXX. Because Arizona law requires judgements to be renewed no more than months BEFORE the 5 year renewal deadline this judgement is time-barred and no monger valid. Nevertheless, the attorney has issued a debtors exam summons from the court. Moreover, the fact that they have waited so long ( presumably for interest to accrue ) I feel that this practice is an unfair lending practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: NY

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: OH

Complaint narrative:
Ive just obtained my credit report and noticed the following error ( s ). The Health Insurance Portability and Accountability Act of 1996, ( HIPAA ) sections 261-264 require the secretary of HHS to publicize standards for electronic exchange or 43 US code 1320D 9 note. I have no knowledge of XXXX XXXX Account # : XXXX, showing a balance of {$590.00}. 

I NEVER signed a contract with this company and have no knowledge of either company, therefor it is a violation of my FCRA rights. I would like this DELETED from my credit report as soon as possible.

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 2024-10-10 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: GA

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 confidentially under 15 USC 1681. Under Section 605 ( b ) of the FCRA ( 15 U.S.C. 1681c ), information that is incorrect or misleading must be corrected or removed upon investigation. Below is the following. 
Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX : XXXX I looked at my XXXX credit report and noticed some things are incomplete and not accurate. According to the fair credit consumer 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 according to XXXX USC ( XXXX ) ( b ). 

According to XXXX USC XXXX they are suppose to do this ( XXXX ) treatments of inaccurate or unverifiable information ( A ) In general after any investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer agency shall- ( i ) promptly delete that item information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. 

According to XXXX USC XXXX they are suppose to not furnish any information relation to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that 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 non-monetary relief
Consumer complaint received 2024-10-10 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: PA

Complaint narrative:
I was shocked to find inaccurate accounts on my credit report this morning, and I have no idea how they got there. I check my report regularly, but this time, out of nowhere, there were errors. I even tried refreshing my browser, thinking it might be a glitch, but nothing changed. The accounts remained wrong. Im really frustrated and want the documents Ive sent to be thoroughly reviewed so I can stop worrying about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: VA

Complaint narrative:
CREDITOR NAME : XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transations or experiences between the consumer and the person making the 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 2024-10-10 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: CO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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:
Ive just obtained my credit report and noticed the following error ( s ). The Health Insurance Portability and Accountability Act of 1996, ( HIPAA ) sections 261-264 require the secretary of HHS to publicize standards for electronic exchange or 43 US code 1320D 9 note. I have no knowledge of XXXX XXXX Account # : XXXX, showing a balance of {$590.00}. 

I NEVER signed a contract with this company and have no knowledge of either company, therefor it is a violation of my FCRA rights. I would like this DELETED from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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:
Ive just obtained my credit report and noticed the following error ( s ). The Health Insurance Portability and Accountability Act of 1996, ( HIPAA ) sections 261-264 require the secretary of HHS to publicize standards for electronic exchange or 43 US code 1320D 9 note. I have no knowledge of XXXX XXXX Account # : XXXX, showing a balance of {$590.00}. 

I NEVER signed a contract with this company and have no knowledge of either company, therefor it is a violation of my FCRA rights. I would like this DELETED from my credit report as soon as possible.

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