vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 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: FL

Complaint narrative:
There are dozens of inquiries ... ... someone are trying to access credit .... I placed a fraud alert and security freeze but before I knew it there were 70 inquiries .....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 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  Experian This isn't me please delete from my credit report please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Take a look at the documents provided. I am urging the bureau to begin an investigation into the accounts that inaccurately depict me as late in my payments. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute and Request for Immediate Removal of Late Payments Dear XXXX, TransUnion, and XXXX, I am writing to dispute the late payment entries on my credit report associated with my credit accounts. This dispute is in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

FCRA Explanation : The FCRA, specifically Section 611 ( a ) and Section 623 ( a ) ( 8 ), grants consumers the right to dispute inaccurate or incomplete information on their credit reports with the consumer reporting agencies. Section 623 ( a ) ( 8 ) provides a similar right to dispute inaccurate information directly with the entity furnishing the information. In addition, 15 U.S.C. 1681 is the overarching section of the U.S. Code that encompasses the FCRA, outlining the general provisions related to credit reporting. 

This dispute is also made in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

FDCPA Explanation : The FDCPA, under Section 809, gives consumers the right to seek verification of a debt from a debt collector. This law regulates the practices of debt collectors, ensuring that consumers are treated fairly and protected from abusive or deceptive collection practices. The specific section referenced, 15 U.S.C. 1692, is part of the U.S. Code that details the FDCPA. 

Upon careful review of my credit reports from your respective agencies, I have identified discrepancies related to the reporting of late payments. I firmly believe these discrepancies are in violation of the FCRA and FDCPA, and I am exercising my rights under these acts for a fair resolution. 

I formally request an immediate and thorough investigation into the reported late payments on my accounts. Please consider this letter as a formal dispute under the FCRA and FDCPA, and I demand the removal of these late payments from my credit reports, effective immediately. 

I trust that your agencies will adhere to the regulatory standards set by the FCRA and FDCPA and rectify this matter promptly. 

Thank you for your prompt attention to this dispute. I anticipate the resolution of this issue within the timeframes specified by law. 

Credit card companies with alleged late payments XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: NY

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute and Request for Immediate Removal of Late Payments Dear Equifax, XXXX, and XXXX, I am writing to dispute the late payment entries on my credit report associated with my credit accounts. This dispute is in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

FCRA Explanation : The FCRA, specifically Section 611 ( a ) and Section 623 ( a ) ( 8 ), grants consumers the right to dispute inaccurate or incomplete information on their credit reports with the consumer reporting agencies. Section 623 ( a ) ( 8 ) provides a similar right to dispute inaccurate information directly with the entity furnishing the information. In addition, 15 U.S.C. 1681 is the overarching section of the U.S. Code that encompasses the FCRA, outlining the general provisions related to credit reporting. 

This dispute is also made in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

FDCPA Explanation : The FDCPA, under Section 809, gives consumers the right to seek verification of a debt from a debt collector. This law regulates the practices of debt collectors, ensuring that consumers are treated fairly and protected from abusive or deceptive collection practices. The specific section referenced, 15 U.S.C. 1692, is part of the U.S. Code that details the FDCPA. 

Upon careful review of my credit reports from your respective agencies, I have identified discrepancies related to the reporting of late payments. I firmly believe these discrepancies are in violation of the FCRA and FDCPA, and I am exercising my rights under these acts for a fair resolution. 

I formally request an immediate and thorough investigation into the reported late payments on my accounts. Please consider this letter as a formal dispute under the FCRA and FDCPA, and I demand the removal of these late payments from my credit reports, effective immediately. 

I trust that your agencies will adhere to the regulatory standards set by the FCRA and FDCPA and rectify this matter promptly. 

Thank you for your prompt attention to this dispute. I anticipate the resolution of this issue within the timeframes specified by law. 

Credit card companies with alleged late payments 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 2023-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
In the month of XX/XX/XXXX  I got a letter taped to my window of my home from a third party company that Mr. Cooper hired to do a home inspection unbeknownance to me I called the company on the letter XXXX XXXX XXXX to find out and validate this notice as it seems as a scam. When I called they never provided me with information only that they were sent out by my mortgage company. I contacted Mr. Cooper for validation and clarification to no regard the representatives would not provide me with information. On XX/XX/XXXX  the " inspector '' from XXXX XXXX XXXX broke into my home through a side window gained entry into my home and placed these index sized slips throughout my home of it being winterized. My neighbors witnessed the three XXXX  men in my back yard and leave my home taking my generator. I filed a police report and contacted my mortgage company Mr Cooper in the presence of the officer and with the phone on speaker phone during this time I was made aware that Mr. Cooper hired this third party entity and never communicated anything to me which has cause mental anguish to my family also a safety concern. I have extensive damages to my property and I no longer feel safe in my home due to Mr. Cooper illegal unethical practices to borrowers. I am a participant of the Louisiana Home Owners Assistance fund and the company have made payments on my account to date Mr. Cooper refuses to apply to bring my mortgage up to date. I have mailed in payments by money order and the company takes weeks to apply it towards my account. Have money order dated receipts and I am seeking assistance in this matter. This has caused me a lot of distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effectively immediately. I am attaching proof that Equifax has admitted that I was in fact, the victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report and update my score appropriately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AAA Collections
State: ND

Complaint narrative:
Anytime I have talked to someone and asked them to help verify the debt and if its even mine for better information for me to review they have only told me a date of service and a hospital or clinic name. I can not verify if I actually owe this or if my insurance made the payments etc. There was an insurance change the providers needed to work through therefore any debt during these times should not have been moved over to collections and likely could have been paid. 

I spoke to someone, a gentlemen I dont remember the exact date but possibly in late spring early summer of XXXX  who was very rude and wanted nothing to do with helping me determine this was actually legitimate or for me or someone in my family. When I continued to ask for assistance he got rude and told me it was my problem and to pay my bills I explained what happened with the insurance and some other things the hospital was waiving payment for due to the financial assistance and wanted to make sure the hospital didnt already remove that as to which he didnt care. He started to fight and yell at me on the call that he would have to send it so they could prosecute me in court for this debt if I didnt figure it out. How can I figure it out if I dont have all the information I need? He said the dates were on there but I saw no dates or actual dates of service just a date they had possible the date they got the debt? I am not sure, I told him if he wasnt going to help me help them to just stop calling. I finally had to hang up because I was so upset by the conversation and feeling cornered. I have gone back in my phone records and do not see anything since XX/XX/XXXX of being contact again by then regarding this. I did not see additional letters either come to me son figured they must have figured it out. I then today got a letter saying I needed to make an acceptable payment arrangement for these.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these accounts from my credit reports. 

1. ) XXXX Account Number : XXXX 2. ) XXXX XXXX  Account Number : XXXX 3. ) XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Please review the attached documents. I am requesting the bureau to investigate the accounts that are inaccurately reporting me as late, despite my timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: RI

Complaint narrative:
In XX/XX/XXXXXXXX  I had defaulted on a car loan. The car ultimately was repossessed in XXXX of XXXX. The debt was then sold in XXXX. Both XXXX XXXX XXXX and the new debtor are displaying inaccurate information on my credit report. Both of them are not showing historical data from XXXX  and XXXX  to make the account stay on my credit longer than it should.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: Possible Financial Inc
State: TX

Complaint narrative:
This complaint is my final communication regarding your claim that the information below has been verified and that the information being reported is accurate. XXXX XXXX XXXX has avoided liability of furnishing incorrect information to the credit reporting agencies far too long and if this information is not removed, I will be filing a statement of claim against your company. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence for account POSSIBLE FINANCE. Last month I submitted a cfpb complaint, and you gave a generated response and provided no validation or explanation to the reporting of incorrect payment history, date last active, and loan balance. XXXX has since removed this inaccurate account but your company is still furnishing information to XXXX and XXXX. You are also reporting 2 different account numbers for the same account. I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Please see the attached 3-bureau credit report which shows the inaccurate information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: TX

Complaint narrative:
In accordance with the fair Credit reporting act ( XXXX XXXX XXXX  Account # XXXX ) ( XXXX  Account # XXXX ) ( XXXX  Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXX XXXX  Account # XXXX ) ( XXXX/XXXX  Account # XXXX ) and feel my rights are being taken advantage of 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions! 



In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, 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 ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the Equifax to reinvestigate this account : on XX/XX/XXXX  - XXXX XXXX, XXXX XXXX ( fraud/theft ), However, they stated everything was complete and accurate or still working on it, but it is been more than 30 days since I submitted the complaint. But also how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Not getting any response from credit companies about the challenges.

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