vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 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: NY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a XXXX XXXX XXXX XXXX I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXXXXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: NV

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 non-monetary relief
Consumer complaint received 2024-09-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
After looking over my consumer report I've noticed that Equifax is reporting a XXXX. My question to Equifax is who gave them information on this XXXX and did they receive authorization from the courts to report this information? I am aware that it is unlawful to obtain and share my personal information pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information. It's fraud to obtain and share my personal information without the proper authorization from me or the courts. I understand that you must be compliant to the rules and regulations set in place and ensure that you're avoiding violations. Within this complaint I am asking Equifax to provide me with their source for obtaining the information on my XXXX and written authorization from the courts given to Equifax. Included in my complaint is a copy of my dispute letter to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: MD

Complaint narrative:
These late payments are not consistent with my typical payment behavior.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX {$88.00}. I have no knowledge of this account and received no notification of this debt. I have requested receipts and confirmation of this debt and notification via certified mail of this debt and have not received. I demand this be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
After carefully analyzing my recent credit report, I found several accounts that I believe are fraudulent and were added without my approval.

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 2024-09-16 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: NV

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: FL

Complaint narrative:
From : XXXX XXXX XXXX, Consumer XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX Hello XXXX I am writing this complaint because EQUIFAX INFORMATION SERVICES LLC , or " Equifax '' continues to furnish and disclose inaccurate, inequitable negative accounts onto the Consumer Report of XXXX XXXX XXXX XXXX Consumer. This information has been disputed time again, which has resulted in both the closure and removal of this, " XXXX '' account. Equifax has failed to ensure maximum possible accuracy of this information as it pertains to XXXX XXXX XXXX, Consumer, who has informed Equifax multiple times that this information is inaccurate, inequitable, negative and needs to be deleted. Every time, Equifax has shown blatant disregard and negligence, both willful and negligently. This can all be displayed in CFPB Complaints : XXXX XXXX 

Equifax has violated the Following : XXXX. Fair Credit Reporting Act ( FCRA ) The FCRA is a federal law that regulates the accuracy and privacy of information on consumer credit reports. Under the FCRA : Duty of Accuracy : Credit reporting agencies like Equifax must ensure the maximum possible accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ).

Consumer Disputes : Consumers have the right to dispute inaccurate information, and the agency must investigate the dispute ( 15 U.S.C. 1681i ). They must correct or remove any inaccurate or unverifiable information within 30 days.

Reinvestigation Obligation : If you notify the credit reporting agency of a dispute, it must investigate the accuracy and completeness of the disputed item. If its found to be inaccurate, it must be corrected or deleted ( 15 U.S.C. 1681s-2 ( a ) ( 8 ) ). Equifax reinserted a deleted account back onto the Consumer report of XXXX XXXX XXXX, Consumer, without notifying said Consumer. This is a violation of 15 U.S.C 1681i ( a ) ( 5 ) ( B ). Please see, " XXXX XXXX XXXX XXXX ( XXXX ) '', " XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) '', " XXXX XXXX Equifax Credit Information Services , Inc. ( XXXX ) '', and " XXXX XXXX XXXX XXXX ( XXXX ) ''. 

The most recent CFPB Complaint which was filed : XXXXXXXX XXXX  and sent to Equifax the same day, Equifax was in response of this complaint as of XX/XX/XXXXXXXX However, Equifax responded to the complaint on XX/XX/XXXX. Well after 30 days of the Notice. This is outside of the ( 30 ) days allowed for a reasonable reinvestigation period. Please see : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: FL

Complaint narrative:
From : XXXXXXXX XXXX XXXXXXXX, Consumer XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX  Hello XXXX I am writing this complaint because EQUIFAX INFORMATION SERVICES LLC , or " Equifax '' continues to furnish and disclose inaccurate, inequitable negative accounts onto the Consumer Report of XXXX XXXX XXXX XXXX Consumer. This information has been disputed time again, which has resulted in both the closure and removal of this, " XXXX '' account. Equifax has failed to ensure maximum possible accuracy of this information as it pertains to XXXX XXXX XXXX, Consumer, who has informed Equifax multiple times that this information is inaccurate, inequitable, negative and needs to be deleted. Every time, Equifax has shown blatant disregard and negligence, both willful and negligently. This can all be displayed in CFPB Complaints : XXXX XXXX 

Equifax has violated the Following : XXXX. Fair Credit Reporting Act ( FCRA ) The FCRA is a federal law that regulates the accuracy and privacy of information on consumer credit reports. Under the FCRA : Duty of Accuracy : Credit reporting agencies like Equifax must ensure the maximum possible accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ).

Consumer Disputes : Consumers have the right to dispute inaccurate information, and the agency must investigate the dispute ( 15 U.S.C. 1681i ). They must correct or remove any inaccurate or unverifiable information within 30 days.

Reinvestigation Obligation : If you notify the credit reporting agency of a dispute, it must investigate the accuracy and completeness of the disputed item. If its found to be inaccurate, it must be corrected or deleted ( 15 U.S.C. 1681s-2 ( a ) ( 8 ) ). Equifax reinserted a deleted account back onto the Consumer report of XXXX XXXX XXXX, Consumer, without notifying said Consumer. This is a violation of 15 U.S.C 1681i ( a ) ( 5 ) ( B ). Please see, " XXXX XXXX XXXX XXXX ( XXXX ) '', " XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Credit Information Services , IncXXXX ( XXXX ) '', and " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The most recent CFPB Complaint which was filed : XXXX XXXX  and sent to Equifax the same day, Equifax was in response of this complaint as of XX/XX/XXXX. However, Equifax responded to the complaint on XXXX Well after 30 days of the Notice. This is outside of the ( 30 ) days allowed for a reasonable reinvestigation period. Please see : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax ( XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 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: AL

Complaint narrative:
I am filing a complaint regarding an incorrect account on my credit reports from XXXX XXXX. This account is being reported inconsistently across the three major credit bureaus and violates credit reporting laws. 

Additionally, I am a victim of identity theft. The details are as follows : XXXX : Reported as XXXX XXXX XXXX with no account number XXXX : Reported as XXXX XXXX, opened XX/XX/XXXXXXXX XXXX Account # XXXX TransUnion : Reported as XXXX XXXX XXXX Account # XXXX, opened XX/XX/XXXX These discrepancies violate the Fair Credit Reporting Act, which requires accurate and consistent reporting. 

Furthermore, this account is the result of identity theft, for which I have filed a police report. I request immediate investigation and removal of this fraudulent account from all credit reports.

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 2024-09-16 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: AL

Complaint narrative:
I am filing a complaint regarding an incorrect account on my credit reports from XXXX XXXX. This account is being reported inconsistently across the three major credit bureaus and violates credit reporting laws.

Additionally, I am a victim of identity theft. The details are as follows : Experian : Reported as XXXX XXXX XXXX with no account number XXXX : Reported as XXXX XXXX, opened XX/XX/XXXX, Account # XXXXXXXX XXXXXXXX : Reported as XXXX XXXX XXXX, Account # XXXX, opened XXXX XXXX  These discrepancies violate the Fair Credit Reporting Act, which requires accurate and consistent reporting. 

Furthermore, this account is the result of identity theft, for which I have filed a police report. I request immediate investigation and removal of this fraudulent account from all credit reports.

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 2024-09-16 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: MI

Complaint narrative:
On XX/XX/year> The credit bureaus stated XXXX XXXX XXXX was properly investigated, but how is that possible when this accounts dates are inaccurate, the date last active is inaccurate and the date last reported is not accurate .This is ground for removal. They also violated my rights under 15 U.S.C. 1681 SECTION 604 A SECTION 2 The law clearly states a consumer reporting Agency can not furnish a account without my written instructions. I have not given this account written permission to furnish this account on my credit report. 
This account is currently closed and under investigation from XXXX XXXX XXXX and correcting all fraudulent charges.

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 2024-09-16 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: MI

Complaint narrative:
On XX/XX/year> The credit bureaus stated XXXX XXXX XXXX was properly investigated, but how is that possible when this accounts dates are inaccurate, the date last active is inaccurate and the date last reported is not accurate .This is ground for removal. They also violated my rights under 15 U.S.C. 1681 SECTION 604 A SECTION 2 The law clearly states a consumer reporting Agency can not furnish a account without my written instructions. I have not given this account written permission to furnish this account on my credit report. 
This account is currently closed and under investigation from XXXX XXXX XXXX and correcting all fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX {$88.00}. I have no knowledge of this account and received no notification of this debt. I have requested receipts and confirmation of this debt and notification via certified mail of this debt and have not received. I demand this be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Im in the process of buying a home and due to law 15 U.S.C 1681 i need debt removed immediately.

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 2024-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NY

Complaint narrative:
My name is XXXX XXXX, I am a senior citizen and do not use online banking much. I have a Discover credit card and set for automatic payment from my Discover Savings account. My retirement income is deposited into XXXX XXXX I have set up the transfer of {$200.00} from XXXX XXXX to Discover Bank on XXXX XXXX XXXX by XXXX, and XXXX indicated that the transfer would arrive at Discover Savings account on XX/XX/XXXX. However, when I checked my Discover credit card account today, I found Discover charged me {$30.00} check refund fee, since the {$200.00} deposit was late deposited on XX/XX/XXXX, and the Discover credit card charged a payment of {$150.00} on XX/XX/XXXX. I am not sure what's going on with the XXXX process between Discover and XXXX, but I don't do anything wrong. I called Discover customer service, but they insist on charging this {$30.00} check refund fee, which I feel is unreasonable since I can not control the XXXX  process between banks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-16 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: NC

Complaint narrative:
I am reaching out to address serious concerns regarding multiple issues with my credit report. Upon review, I identified several inaccuracies, including incorrect account listings, inconsistent billing information, and accounts that are not mine. These discrepancies pose a significant risk to my financial well-being, and I urgently request your help in resolving 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 non-monetary relief
Consumer complaint received 2024-09-16 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: NC

Complaint narrative:
I am reaching out to address serious concerns regarding multiple issues with my credit report. Upon review, I identified several inaccuracies, including incorrect account listings, inconsistent billing information, and accounts that are not mine. These discrepancies pose a significant risk to my financial well-being, and I urgently request your help in resolving 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 2024-09-16 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
The week of XXXX XXXX, I called XXXX XXXX XXXX to pay to delete a {$490.00} debt on my credit reports. This debt is not mine and I have been trying to dispute it. The Name on the account is not mine and I believe steams from stolen identity, due to data breaches at XXXX XXXX XXXX XXXX or XXXX data breach. 

The rep on the phone tried to tell me to enter that the debt was mine, in order to move to a negotiating team who would talk to me about a payment. I told the rep multiple times that the debt is not mine, but they continued to tell me to put that it is to move on to a resolution to get it off my credit report. 

The debt is not mine and I would like to be taken off 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