vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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: IN

Complaint narrative:
I am attempting to notify the bureau that the accounts reporting on my credit report have been closed and reached the term of 7 years and can be removed. They will not accept my right t reinvestigation. Even when they have been provided additional information. This is violating my right under FCRA XXXX. I want the account reviewed and updated to reflect they have met the 7 years since account closure. Please delete them.

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 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted a request in writing requesting for a complete verification of a few items on my credit report with all XXXX bureaus. The request was sent in well over 30 days and they did not provide any verifiable information that proves these accounts have been completely verified. In addition the dates and amounts are still reflecting different between all three bureaus XXXX, Equifax and XXXX. 
The accounts that I submitted a written request for complete verification are the following : XXXX. ) XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, AZ XXXX phone # XXXX opened and closed dates are different with all XXXX bureaus. 
XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , CA XXXX XXXX opened and closed dates are different with all XXXX bureaus. 
XXXX. ) XXXX- address- XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX opened and closed dates are different with all XXXX bureaus. 
XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX phone XXXX XXXX. 
XXXX. ) XXXX- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , CA XXXX XXXX opened and closed dates are different with all XXXX bureaus. 
XXXX. ) XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX number XXXX opened and closed dates are different with all XXXX bureaus. 

This should have been fixed ad since now they have not honored the rights I am due legally they must remove the items that were not verified since they are inaccurately reporting on all three bureaus. Please assist me with getting a proper response and now resolution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent my identity theft reports via certified mail ( tracking # : XXXX XXXX XXXX XXXX XXXX XXXX ) to Equifax and XXXX ( tracking # : XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2022. They received the identity theft reports and didn't do anything about it, nor did they respond within 30 days. The fraudulent accounts in question are : XXXX XXXX XXXX XXXX Fraudulent credit inquiries : XXXX XXXX XXXX XXXX My personal information is incorrect : My only name is XXXX XXXX Equifax lists my name on the credit report incorrectly as : XXXX XXXX XXXXXXXX XXXX XXXX is listing two incorrect addresses on my credit report : XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
So I sent a letter off on XX/XX/2022 verified/ certified mail. Here is my tracking number to my letters is # XXXX. The purpose of this letter was to remove personal information that I do correlate with my accurate information as well as accounts that do not correlate to my informations. In violation of U.S.Code 1681e ( b ) the compliance procedures conclude all information should be 100 % accurate. According to the fair credit reporting act 12 USC 1681. I have the rights to my privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
So I sent a letter off on XX/XX/, 2022 verified/ certified mail. Here is my tracking number to my letters is # XXXX. The purpose of this letter was to remove personal information that I do correlate with my accurate information as well as accounts that do not correlate to my informations. In violation of U.S.Code 1681e ( b ) the compliance procedures conclude all information should be 100 % accurate. According to the fair credit reporting act 12 USC 1681. I have the rights to my privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
First, I want to thank you for helping me with XXXX XXXX XXXX  I have my account opened and all is going well. Second, I do not have a credit card with XXXX and they have an inquiry on my credit report. Third Experian still has my name as XXXX XXXX XXXX XXXX XXXX and XXXX XXXX that is not my name and my old address listed XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is my former address and I would like it removed as well my name which is XXXX XXXX and is listed correctly on my XXXX and XXXX credit report. I know it takes time and I am trying to make a fresh start for the XXXX XXXX and finally thank you for your assistance 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 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted a request in writing requesting for a complete verification of a few items on my credit report with all three bureaus. The request was sent in well over 30 days and they did not provide any verifiable information that proves these accounts have been completely verified. In addition the dates and amounts are still reflecting different between all three bureaus Transunion, XXXX and XXXX. 
The accounts that I submitted a written request for complete verification are the following : 1. ) Achieve Personal Loans address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX phone # XXXX opened and closed dates are different with all three bureaus. 
2. ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX opened and closed dates are different with all three bureaus. 
3. ) XXXX- address- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX opened and closed dates are different with all three bureaus. 
4. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone XXXX XXXX. 
5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX opened and closed dates are different with all three bureaus. 
6. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number XXXX opened and closed dates are different with all three bureaus. 

This should have been fixed ad since now they have not honored the rights I am due legally they must remove the items that were not verified since they are inaccurately reporting on all three bureaus. Please assist me with getting a proper response and now resolution. Thank you.

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 2023-01-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: MD

Complaint narrative:
I got a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX with monthly installments I was paying everything on that this was in XXXX come XXXX of XXXX had a bit of misfortune I was XXXX  which payment stopped after that month was my last payment I come home XX/XX/XXXX and Im trying to get my phone back on I forgot the Lock Screen code took a couple of to get that right called all around trying to fix the problem when I find out who the XXXX party collection was called them like the XXXX week of XXXX explained my situation again asking to set payment plan no they want it in full I stressed that I couldnt come up with that when I only had XXXX left to pay on phone for it to be mine anyway still nothing they wanted it in full I exhausted all my resources like I told XXXX XXXX XXXX record show I was a excellent customer until my misfortune happened and I cant get any leniency what was I a good customer for XXXX I only owed XXXX XXXX dollars on my bill when I got incarcerated come home on XX/XX/XXXX they want {$1200.00} how thats so unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have information that is inaccurate on my credit report. I sent them letters to dispute the inaccuracies and they have not responded in the time required under FCRA laws.

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 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent my identity theft reports via certified mail ( tracking # : XXXX XXXX XXXX XXXX XXXX XXXX ) to XXXX and Experian ( tracking # : XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2022. They received the identity theft reports and didn't do anything about it, nor did they respond within 30 days. The fraudulent accounts in question are : XXXX XXXX XXXX XXXX Fraudulent credit inquiries : XXXX XXXX XXXX XXXX My personal information is incorrect : My only name is XXXX XXXX XXXX lists my name on the credit report incorrectly as : XXXX XXXX  XXXX XXXX Experian is listing two incorrect addresses on my credit report : 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 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 Name : XXXX XXXX & XXXX XXXX account # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The company charge much higher interest rates for consumers with good credit my score was in the 700s. they charge fees to talk to some one fees to make payments, Fees if u make payments Im sure I had other products and services with Wells Fargo left due to the fees and high interest charges luckily was able to get financing else were, freeze peoples accounts if they didnt immediately set up security measures into compromise, locked out my accounts, it was always drama with Wells Fargo

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 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TRANSUNION is an elaborate mechanism that has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers under 15 U.S. Code 1681- Congressional findings and statement of purpose. Under 15 U.S. Code 1681 ( 3 ) TRANSUNION has ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. Under 15 U.S. Code 1681 ( 4 ) there is a need to insure that consumer reporting agencies exercise their GRAVE responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumers RIGHT to PRIVACY, as well under 15 USC 6802, 12 CFR 1026 and 1022. TransUnion has in fact violated the FCRA under 15 USC 1681a ( 1 ) ( 2 ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' and included such accounts on my consumer report. TransUnion has been requested on XX/XX/22 to remove such accounts from my consumer report and It has been OVER 45 DAYS and TransUnion has not complied accordingly. This leads me to believe TransUnion ASSUMES the accounts are verified. I here by now demand under FCRA definition of " INVESTIGATIVE REPORT '' and XXXX XXXX XXXX DEMAND NAMES AND ADDRESSES OF THOSE PERSONALY INTERVIEWED TO VERIFY SUCH INFORMATION and if requested information CAN NOT be given the requested accounts SHALL BE DELETED IMMIDIATELY

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 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have information that is inaccurate on my credit report. I sent them letters to dispute the inaccuracies and they have not responded in the time required under FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have information that is inaccurate on my credit report. I sent them letters to dispute the inaccuracies and they have not responded in the time required under FCRA laws.

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 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AFNI INC.
State: MD

Complaint narrative:
I am a victim of identity theft. For a XXXX account I have never signed up for I started randomly receiving a bill in the mail for a past due bill. Back in XXXX which was my last communication I got a incident number XXXX I have recently have a collection with AFNI for this particular account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I paid a large balance off in full in XXXX, this was the last time the credit card company updated my balance to my credit report. Today, 5 months later, the previous balance is still listed. When I filed a dispute via XXXX, the line item was removed due to lack of response from the card issuer thus removing a large available credit facility. Comenity bank is the issuer for my XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, 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: 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 Name : XXXX XXXX  XXXX XXXX XXXX account # XXXX 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 2023-01-01 00:00:00
Product: Credit reporting, credit repair services, 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:
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 Name : XXXX XXXX  XXXX XXXX XXXX account # XXXX 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 non-monetary relief