vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of 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 2024-11-29 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: TX

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-11-29 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: SC

Complaint narrative:
I, XXXX XXXX XXXX am addressing a series of violations under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws that have negatively impacted me. The key issues involve the reporting and handling of inaccurate, unauthorized, and deceptive information on my credit report, as well as noncompliance with various legal obligations. These violations include : Willful Noncompliance ( FCRA Section 616 ) : The agency accepted and reported inaccurate credit information about me without verifying its accuracy, exposing them to potential civil liability of up to {$1000.00} per violation.

Disclosure of Personal Information ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : My right to opt out of sharing personal information was not disclosed, which is deceptive and a violation of consumer rights.

Furnishing Deceptive Forms ( FCRA Section 623 ( a ) ( 3 ) ) : Inquiries and accounts were inaccurately furnished without proper validation, violating both the FCRA and accounting principles.

Violation of Debt Collection Practices Act ( FDCPA ) : The agency engaged in unfair practices by reporting unverified debts, leading to harassment and unwarranted contact from creditors.

Disclosing Debt Information to Third Parties : Debt collectors improperly shared my information with credit reporting agencies, violating regulations prohibiting such disclosures.

Reporting " Late Payments '' : Late payments were inaccurately reported without clear definitions or validation, making the entries deceptive.

Failure to Accurately Determine Finance Charges : Incorrect finance charges were reported, failing to meet the agencys responsibilities.

Reporting Without Consent : Information was added to my credit report without my written authorization, violating permissible purpose requirements under the FCRA.

Additionally, I identified and disputed several inaccuracies in my personal information and accounts, requesting immediate corrections. These include : Incorrect Personal Information : XXXX addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are inaccurately reported and must be removed. 
Account Errors : Specific accounts, including those with XXXX and XXXX XXXX, were reported with inaccuracies such as unvalidated late payments or debts. I requested validation under 15 U.S. Code 1692g and demanded proof of the alleged debts, including original agreements and authorization to collect, failing which the items must be deleted. 
I have demanded the correction or removal of all unauthorized or inaccurate entries and emphasized my expectation of a prompt resolution. Failure to address these issues will compel me to pursue legal action to protect my rights under the FCRA and other applicable laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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:
I experienced fraud while traveling out of the country. This was reported to XXXX  XXXX. My credit card was closed anyway and I was not protected or helped. Its currently showing charged off on my credit. I did not received a 1099C from 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 2024-11-29 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: GA

Complaint narrative:
I experienced fraud while traveling out of the country. This was reported to XXXX  XXXX. My credit card was closed anyway and I was not protected or helped. Its currently showing charged off on my credit. I did not received a 1099C from XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: GA

Complaint narrative:
I experienced fraud while traveling out of the country. This was reported to XXXX  XXXX. My credit card was closed anyway and I was not protected or helped. Its currently showing charged off on my credit. I did not received a 1099C from 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 2024-11-29 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: IL

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my 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 2024-11-29 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: SC

Complaint narrative:
My rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws were violated due to inaccurate and unauthorized activities related to my credit report. Specifically : XXXX XXXX XXXX : My credit report is showing incorrect personal information, such as addresses that do not belong to me. These errors violate 15 U.S. Code 1681c ( a ) ( 1 ), which requires accurate reporting of personal information. 
Incorrect Reporting of Accounts and Payments : Several accounts, including XXXX, XXXX XXXX CA, and XXXX, have been inaccurately marked as late or delinquent without proper validation or evidence. This violates 15 U.S. Code 1681s-2 ( a ), which mandates accuracy in information reported to credit bureaus. 
Failure to Validate Debts : Accounts such as XXXX XXXX XXXX XXXX, and others have been reported without providing the required debt validation as outlined in 15 U.S. Code 1692g. I requested documentation of these debts, including proof of their validity, but none was provided. 
Unauthorized Hard Inquiries : Several hard inquiries, including those from XXXX, XXXX XXXX, and XXXX, were made on my credit report without my consent. These unauthorized inquiries violate 15 U.S. Code 1681b ( a ) ( 2 ), which requires written consent or permissible purpose for accessing a credit report.

Deceptive and Harassing Practices : Debt collectors and credit reporting agencies have engaged in practices such as reporting debts without my consent or proof and sharing my personal information with third parties. These actions violate both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S. Code 1692b and 1692c ( b ).

Failure to Inform About Opt-Out Rights : I was not informed of my right to opt out of sharing my personal information, violating 15 U.S. Code 1681a ( d ) ( 2 ) ( A ). 
These violations have caused me unnecessary stress, potential financial harm, and damage to my creditworthiness. I am demanding immediate corrective action, including the removal of unauthorized inquiries and inaccurate accounts, proper validation or deletion of debts, and compensation for damages caused by willful noncompliance under 15 U.S. Code 1681n.

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 2024-11-29 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: TX

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-11-29 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: IL

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-11-29 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: IL

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-11-29 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: CA

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit reporting agencies are reporting an incorrect balance and percentage of credit card usage on my reports which is a clear violation of the FCRAXXXX 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  the charge should immediately be credited to my credit card account along with a credit for all interest & fees that I have been charged by XXXX XXXX for this fraudulent charge by 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should undertake to communicate with the credit reporting bureaus immediately to completely clean up all incorrect reportingXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX should compensate me as a consumer for their actions, pursuant to the Fair Credit Reporting Acts ( FCRA ). 

My dispute is with Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXMerchant name - XXXX  XXXX XXXX XXXX XXXX XXXX shows on the charge on my account Transaction amount - {$420.00} Transaction date - XX/XX/XXXXXXXX XXXXXXXX XXXXReason for the dispute - When I arrived at the Airport car rental counter in XXXX XXXX the agent told me that my car was not ready. I had made a depositor the rental, which was apparently processed when I arrived at the counter without my permission. I waited around for 2 hours, while the agent did a number of things such as trying to charge my card more than the balance of the rental charge. Ultimately, XXXX did not provide me with acar and should not have billed my card. I never received a rental car XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My account was originally credited for the {$420.00} charge in XXXX of XXXX. However the charge was putback on my card in XX/XX/year> - 2 months later with no communication from 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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit reporting agencies are reporting an incorrect balance and percentage of credit card usage on my reports which is a clear violation of the FCRAXXXX 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  the charge should immediately be credited to my credit card account along with a credit for all interest & fees that I have been charged by XXXX XXXX for this fraudulent charge by 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  should undertake to communicate with the credit reporting bureaus immediately to completely clean up all incorrect reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should compensate me as a consumer for their actions, pursuant to the Fair Credit Reporting Acts ( FCRA ). 

My dispute is with Credit Card XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXMerchant name - XXXX XXXX XXXX XXXX XXXXXXXX XXXX shows on the charge on my account Transaction amount - {$420.00} Transaction date - XX/XX/XXXXXXXX XXXX XXXXReason for the dispute - When I arrived at the Airport car rental counter in XXXX XXXX the agent told me that my car was not ready. I had made a depositor the rental, which was apparently processed when I arrived at the counter without my permission. I waited around for XXXX hours, while the agent did a number of things such as trying to charge my card more than the balance of the rental charge. Ultimately, XXXX did not provide me with acar and should not have billed my card. I never received a rental car XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My account was originally credited for the {$420.00} charge in XXXX of XXXX. However the charge was putback on my card in XX/XX/year> - 2 months later with no communication from 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 2024-11-29 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.

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT ACCOUNTS. I WANT THESE TO BE PERMANENTLY REMOVED 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 non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT ACCOUNTS. I WANT THESE TO BE PERMANENTLY REMOVED 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
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT ACCOUNTS. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: NY

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

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