vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 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: EQUIFAX, INC.
State: MO

Complaint narrative:
XX/XX/22 I disputed several hard inquiries with Equifax that were found to be unauthorized, the dispute was completed the same day and said to be legitimate. XX/XX/22 I submit another dispute to Equifax along with a FCRA section XXXX letter listing multiple inquiries and asking Equifax to complete an investigation, also sending me documentation of my signature authorizing these inquiries and if they could not provide me with those documents along with the name and address of the entity making the inquiries.. and if they could not do so to immediately remove them from my report. The investigation was completed merely hours later, no proof, no signature, and once again 0ver XXXX unauthorized inquiries that I do not deserve to have left on my report. Ive worked very hard to get my credit profile to what it was. My XXXX old daughter was tragically killed in a fatal car crash so some funding to help With expenses would have been more than helpful during this time, every denial for financing comes with XXXX of the reasons listed for denial being too many inquiries. It is my right under section XXXX for reports to be accurate, it also violates my rights to privacy. Equifax done no investigation. Anyone can apply for credit with someone elses name if they know their identifying information, Im this case I believe it was a family member but still not my inquiry and I demand that they be removed. It should be on Equifax to prove they were authorized, wheres the proof? Its unjust and in very poor business practices to simply assume by XXXX XXXX information that everything on the report is 100 % factual and Im sick of their generic responses to m requests. 

Your immediate attention to this matter is greatly appreciated. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX ( XXXX Creditor : XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX AND TRANSUNION Credit Bureaus failed to comply with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXXXXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the following accounts completely from my Credit Reports : ( LateClosed XXXX XXXX Balance {$410.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; Chargeoff XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$590.00} ; Collection XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-03 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Please be advised that as of ( XX/XX/22 ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : 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 XXXXXXXX XXXX $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Please be advised that as of ( XX/XX/22 ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : 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 XXXXXXXX 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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have a loan with a company called XXXX  XXXX XXXX XXXX. In brief, my attorney negotiated an altered payment schedule due to my business closing during the pandemic. This agreement started in XX/XX/2022. Since this time, XXXX has continued to report incorrect information to the credit bureaus which is directly bringing my credit score down and keeping me from other crucial items needed. 

1. They reported that my account was charged off. It never was, this was never the case.

2. After I disputed this with the credit bureau, they did something even worse, they reported my account closed.

3. This has caused my credit score to drop XXXX points. 
4. My account is open, active and I am making the necessary payments on it. This company is being beyond irresponsible with my credit file, I believe their actions are illegal.

5. The credit bureaus do nothing to assist with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: MI

Complaint narrative:
I have been trying since XX/XX/2021 to regain access back into my crypto.com account to check my invesents and build progress to raise investments and have been halted by crypto.com. 
I have verified my identification at least XXXX times to be told that a piece of my elbow didn't show or not enough of my chest is in the picture. Things that have no significance when my picture and identification match as well as I am telling them the information they require to verify me. 
Other times I try and think I've gotten somewhere to find they have given the wrong solution like adding my phone number that needed changed to on the original account but not saying that being the phone number was on the dummy account I had to create in order to get to customer support, means they would need thrifty days to have an account close and let me in the original one where my money was invested. 
Today, it has been XXXX months, and I'm stillocked out and still told XXXX due to the phone number on XXXX accounts and would be XXXX days ..and I would need to go through verification again. 
Enough is enough, I feel they are hiding that they no longer have my money. They should not be able to keep you locked out of your own account for almost XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$62.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} ; Chapter XXXX Bankruptcy XXXX XXXX Bankruptcy Court Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX MO 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 2022-05-03 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXXXXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$9300.00}

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, 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:
After reviewing my Transunion, XXXX and XXXX XXXX XXXX, I noticed Inquiries I do not authorize nor recall granting written authorization ( XXXX ). Please investigate to see if accounts : XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion ******Please make certain you have Perfect True Correct Verified Validated Claims of contract showing my wet ink signature, if not, and you find deficiencies with mentioned accounts please delete immediately. 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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states the consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

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 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc
State: SC

Complaint narrative:
Unauthorized credit inquiries on XX/XX/2022 from XXXX XXXX and on XX/XX/2022 from Credit Plus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX CO ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$62.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} ; Chapter XXXX Bankruptcy XXXX XXXX Bankruptcy Court Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX MO 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 2022-05-03 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$62.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} ; Chapter XXXX Bankruptcy XXXX XXXX Bankruptcy Court Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX MO XXXX ; XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$9300.00}

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 non-monetary relief
Consumer complaint received 2022-05-03 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$9300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, and Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : Inquiries ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date 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 non-monetary relief
Consumer complaint received 2022-05-03 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: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states the consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : 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