vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-28 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: MA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I WAS PREVIOUSLY EMPLOYED BY XXXX XXXX XXXX FROM XXXX UNTIL XXXX AS A XXXX XXXX UNIVERSITY XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNTIL XXXX AS AN XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FROM XXXX UNTIL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FROM XXXX UNTIL XXXX, AND XXXX AS XXXX XXXX XXXX FROM XXXX UNTIL XXXX. I HAVE BEEN EMPLOYED WITH THE U.S. DEPARTMENT XXXX XXXX XXXX AS A XXXX  SINCE XXXX UNTIL PRESENT. My credit report was 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 2024-09-28 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding unauthorized hard inquiries that have appeared on my credit report. I have recently reviewed my credit report and noticed several hard inquiries from companies listed below that I did not authorize. 

- Company : XXXX XXXX NA. Date of XXXX : XX/XX/year>. 
- Company : XXXX XXXX. Date of XXXX : XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( Responsibilities of furnishers of information to consumer reporting agencies ) and 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ), I have the right to dispute any information that I believe is inaccurate or incomplete. Since these inquiries were made without my consent, I believe they are in violation of the law, and I request that they be removed from my credit report.

I urge you to investigate this matter and take appropriate action to eliminate these inquiries. These unauthorized hard inquiries negatively impact my credit score, and I am concerned about their effect on my financial well-being.

Please inform me of the steps you will take to rectify this situation. I appreciate your prompt attention to 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 2024-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
During my vacation in XXXX I received an alert on my phone that a transaction went through on my Apple Card for a store called XXXX. Ive never heard of this store so I immediately googled it to see what this was. From my own research I found that it is a XXXX owned chain of super markets in XXXX. Just to be sure I checked my XXXX account and everything was fine, nothing had been hacked to my knowledge but I changed the password immediately just to be sure. I then immediately contacted apple and explained the situation and they at first removed the charge, thanked me for reporting the fraud right away, and I was back to enjoying my vacation. Some time after I noticed that the charge had been added back to my account. Concerned I reached to inquire about the situation, retold my story to this new agent, and once more they removed the charge. I thought that was the end of it but another month passes and the charge gets dropped back to my account so again I reach out and ask why do they keep doing this and the agent explains that they deemed the charge to be valid. No other details given. XXXX explain how they came to that conclusion. I told them I have proof I wasnt in XXXX. I have my plane ticket showing I was in XXXX during that time frame. So again they removed the charge and again its currently under investigation. I dont know whats going on over there but someone isnt doing their job. With all the technology at our disposal. Is it really this difficult? I just want to be done with this fraudulent charge. I dont know why its been this difficult. I have an excellent credit score. I also have a good savings account with them. I dont know what the issue is here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-28 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: TX

Complaint narrative:
As I was reviewing my credit I came across unauthorized inquiries. Remove immediately. 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

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 2024-09-28 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: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several erroneous entries. The XXXX credit bureaus are legally obligated to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting account as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable account listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX Balance : {$0.00}

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 2024-09-28 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: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several erroneous entries. The XXXX credit bureaus are legally obligated to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting account as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable account listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: TX

Complaint narrative:
Hello CFPB Representative, I actively check my credit report, as I am working towards a better quality of life as a new mom. However, after stopping by a car dealership, my credit has severely been misused by the dealership financial department. I am reaching out regarding a series of hard inquiries on my credit report that I believe were made without my consent and full understanding. 

I have been actively working to repair my credit in the best way possible to ensure I can run my business effectively. Since taking the initiative, my credit has risen 100+ points. I too fell hard during the COVID-19 crisis as many other American 's. Yet, since been able to raise my credit score through diligent efforts. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies on my credit report. Below are the details of the inquiries that are 100 % not authorized : XXXX XXXX XXXX Inquired on : XX/XX/XXXX Business Type : Automobile Dealers, New Address : XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Scheduled to remain until : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX Business Type : Auto Financing Companies Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX Scheduled to remain until : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX Business Type : Auto Financing Companies Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX Scheduled to remain until : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX Business Type : Automobile Dealers, New Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Scheduled to remain until : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX Business Type : All Banks - non-specific Address : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX UT XXXX By mail only Scheduled to remain until : XX/XX/XXXX I kindly request your assistance in investigating these inquiries and removing them from my credit report as soon as possible, as they were made without my consent and are a violation of my rights under the FCRA. 

Thank you for your attention to this matter, and I look forward to your prompt 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 2024-09-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. This lease was in XXXX XXXX XXXXXXXX and I have been living in California for XXXX  years and XXXX  years in my current residence. The police authorities/report and FTC have been filed. We have proof to show the date that was filed by the police station. The amount showing that is in collection is XXXX which is not my debt. We will seek legal action if this is not removed.

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 2024-09-28 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:
As I was reviewing my credit I came across unauthorized inquiries. Remove immediately. 

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

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 2024-09-28 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:
As I was reviewing my credit I came across unauthorized inquiries. Remove immediately. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furhished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Company Name : Awa Collection Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX To : Whom It May Concern On XX/XX/XXXX, I was looking on my XXXX  account to get an update credit score and noticed that Awa Collection a collection agency for the XXXX XXXX for the amount of {$310.00}. 15 U.S.C. 1681, I never gave the company consent to furnish my information or obtain my information. I am writing this dispute claim on my credit report because I lost my job and been living on the street for the past 2 years. I am unable to pay any debt collectors because I cant hold a job due to the fact I have XXXX. In XXXX, I got into a horrible car accident and suffered a concussion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I discovered a collection report from National Credit System regarding a debt from XXXX XXXX XXXX for {$7400.00}. This collection account was opened on XX/XX/year>, and updated as recently as XX/XX/year>, without my prior knowledge or any notification from either National Credit System or XXXX XXXX XXXX I was not informed of the debt or given the opportunity to dispute the charges, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, my fiance, who was also associated with the account, received the same collection report. Neither of us was contacted or notified about the debt by email, phone, or letter, further violating FDCPA guidelines, which require them to inform all responsible parties and give us the opportunity to dispute or validate the claim before reporting it to credit bureaus. As a result, the collection was reported directly to the credit bureaus, negatively impacting both of our credit scores. 

Furthermore, I had been requesting the return of my security deposit and the XXXX months rent I had paid upfront. At the time of my departure, XXXX  days of that rent were still remaining unused. Despite my attempts to resolve this matter with XXXX XXXX XXXX, no action was taken to address my request or refund the amount owed to me. 

To resolve this, I have previously tried contacting XXXX XXXX XXXX and their management, but no resolution was provided. I have documented proof of my communication attempts, including emails and a timeline of events, such as when my access to the apartment was XXXX, which ultimately led to my departure from the property. 

I request that this collection be removed from both my credit report and my fiances, due to the lack of notification and violation of FDCPA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: CA

Complaint narrative:
I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$320.00} XXXX XX/XX/XXXX 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 2024-09-28 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: CA

Complaint narrative:
I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$320.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/year> under the account number ( private ), I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-09-28 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: NY

Complaint narrative:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00}

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