vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 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: KY

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Dispute inaccurate items on my credit 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 explanation
Consumer complaint received 2024-05-07 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: TX

Complaint narrative:
Despite our previous attempts, I regret to inform you that these discrepancies still persist.

The presence of charge off accounts with incorrect balances not only affects my credit score also the inaccurate personal information but also raises concerns about the accuracy and integrity of my credit information.

I kindly request that you prioritize the investigation and resolution of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations.

Moreover, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these discrepancies corrected on my credit report. With this, I am asking for your assistance to remove these accounts and as well as these unknown addresses and inaccurate names in my credit file : XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc.
State: TX

Complaint narrative:
This letter is being sent to you in response to a letter that I received on XXXX XXXX XXXX XXXX. Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act that your claim is disputed, and validation is requested. 
This is NOT a request for " XXXX '' or proof of my mailing address, but a request for your offices to provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : Provide me the XXXX of XXXX XXXX. 
Explain and show me the XXXX XXXX from the original creditor. 
Provide me the XXXX XXXX from the original creditor with my signature. 
Provide me with your XXXX XXXX and XXXX XXXX. 
I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus XXXX XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. 
If your offices are able to provide the proper documentation as requested, I will require at least XXXX days to investigate this information and during such time all collection activity must cease and desist. Also I'm requesting no telephone contact be made by your office to myself or place of employment. 
If your offices fail to respond to this validation request within XXXX days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me 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 explanation
Consumer complaint received 2024-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to file a formal complaint for violation of 15 U.S. Code 1681s-2. I notified the credit agencies via certified mail about my concerns regarding the accuracy of certain items on my credit reports. I personally wrote and sent this request, without involving a third-party agency. It seems evident to me that they are misusing their authority under the FCRA to avoid a thorough investigation.

I contacted the creditors listed below, requesting an investigation into, inaccurate, and falsely reported items. However, I have not received any response to date. I believe this delay is a deliberate tactic to gain an additional 30 days to comply with my original request, which I consider a clear violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

The credit reporting agency has been providing incorrect and incomplete account information on my credit file. I am deeply concerned about the presence of these inaccurate accounts on my credit profile. Their agency has failed to uphold reasonable procedures in ensuring the maximum possible accuracy of the credit information they report. Consequently, you may be held liable under 15 U.S.C. 1692g validation of debt. Additionally, based on the case of XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX  ), your agency could be liable for false reporting. It is crucial that credit reporting bureaus adhere to laws that require them to report only 100 % accurate credit information. 

Furthermore, I have not received a response to my letter within the required timeframe of 30 days. This failure to respond not only constitutes a violation of the Fair Credit Reporting Act ( FCRA ), but it also reflects a lack of accountability and adherence to consumer rights. 
I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that the credit agency complies with the law. Specifically, I request the following actions be taken : Enforce obligation to remove the inaccurate accounts from my credit report, as required by 15 U.S. Code 1681s-2. Be held accountable for their failure to respond to my letter within the mandated 30-day timeframe. It is crucial to protect consumers ' rights and ensure the accuracy and fairness of credit reporting.

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 2024-05-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to file a formal complaint for violation of 15 U.S. Code 1681s-2. I notified the credit agencies via certified mail about my concerns regarding the accuracy of certain items on my credit reports. I personally wrote and sent this request, without involving a third-party agency. It seems evident to me that they are misusing their authority under the FCRA to avoid a thorough investigation.

I contacted the creditors listed below, requesting an investigation into, inaccurate, and falsely reported items. However, I have not received any response to date. I believe this delay is a deliberate tactic to gain an additional 30 days to comply with my original request, which I consider a clear violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

The credit reporting agency has been providing incorrect and incomplete account information on my credit file. I am deeply concerned about the presence of these inaccurate accounts on my credit profile. Their agency has failed to uphold reasonable procedures in ensuring the maximum possible accuracy of the credit information they report. Consequently, you may be held liable under 15 U.S.C. 1692g validation of debt. Additionally, based on the case of XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX  ), your agency could be liable for false reporting. It is crucial that credit reporting bureaus adhere to laws that require them to report only 100 % accurate credit information. 

Furthermore, I have not received a response to my letter within the required timeframe of 30 days. This failure to respond not only constitutes a violation of the Fair Credit Reporting Act ( FCRA ), but it also reflects a lack of accountability and adherence to consumer rights. 
I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that the credit agency complies with the law. Specifically, I request the following actions be taken : Enforce obligation to remove the inaccurate accounts from my credit report, as required by 15 U.S. Code 1681s-2. Be held accountable for their failure to respond to my letter within the mandated 30-day timeframe. It is crucial to protect consumers ' rights and ensure the accuracy and fairness of credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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:
I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS AND UNAUTHORIZED INQUIRIES REPORTING.

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 2024-05-07 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: FL

Complaint narrative:
According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please eliminate these inquiries. I have no knowledge of them, and they were carried out by the company without my consent.

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 2024-05-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently pulled my credit report for the first time in a long time and I was totally unaware of these inquiries and never have I applied for anything from these companies. Im very confused and scared.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA XXXX. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

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 2024-05-07 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: NJ

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: WI

Complaint narrative:
I've just examined my credit report and discovered fraudulent accounts listed on it. Could you please remove these accounts? Their presence is negatively impacting my creditworthiness and hindering my ability to secure credit.

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 2024-05-07 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: NY

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, VA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> 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 2024-05-07 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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, VA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/year>, I filed a complaint with this Institution about Key Bank. The complaint id is XXXX. 
I am filing a new complaint as i have yet to hear anything from Key Bank nor received my missing funds. I have made several attempts to call Key Bank to check the status of my issues with them. All i have gotten out of the calls are a bunch of hang ups, being switch from one department to another with the call ALWAYS being " dropped ''. 
As I have mentioned before, this issue with Key Bank has been going on for well over a year now and I feel that this issue is being taken for a game or a joke by Key Bank and yet my hardship, XXXX XXXX and stress is at an all time high. 
As i mentioned, I have previously reached out to this organization for help. You are supposed to be for the consumer according to your name. Or is it like most other organizations that are suppose to be for the consumer, customer or working man, that says they are for the people but in reality are for the corporation 's big and small and wonder why people are going through so much XXXX. 
Is there somewhere above you that i should be trying to get help from? Thus far I'm not seeing where help comes from for this institution. From the start Key bank was given 60 days to resolve the issue by this organization. Key Bank responded by saying they sent everything to yet another department and you closed the case. 
How is that helpful or beneficial to me in getting by money returned? 
What exactly is it that this company does? From my research it was understood that this institution protects consumers from banks and leaders when they are being taken advantage of or being mistreated in any way financially. It appears to me and my situation that that is not he case. Instead, it's an institution that always the average man to be mercilessly taken advantage of by the big banks. At what point does the Consumer Finacial Protection Bureau actually protect? Is it the financial protection for consumers as your name suggest, or just the opposite in protecting big banking? 
Every other banking avenue i have taken has led me to this organization as the institution that will handle things and gat things done. 
I am sure that if anyone at CFPB or Key Bank was going through what i have been for well over a year would feel and see things as i do. 
The money they owe me is major to me but yet only pennies to them. 
So again i come to where I have been directed in getting this matter handled and rectified and hopefully with great haste. 
Perhaps this is something i should take to an investigating news station. I'm sure this story would be something they would love to cover and uncover even more. I'm sure I am not the only person going through this with either entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-07 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my TRANSUNION credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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