vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 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: NJ

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. XXXX XXXX XXXX XXXX XXXX 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 2023-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The countless times, this is the numerous letters I am writing for the fraudulent accounts that keep on persisting on my credit report and damaging my chances of having a better score and better financial standing. It is confusing that other bureaus were able to conduct exact measurements and were able to determine the fraudulent activity and remove it right away on their report. This shows that you are failing to provide accurate information that violates the FCRA law. 
Cease these accounts in persisting on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 
Clearly, there must have been lapses or errors that occurred during the expedition of these accounts as the other bureaus were able to prove that those were purely fraud. It is frustrating that my previous escalation seems to be ignored. I understand that the Fair Credit Reporting Act ( FCRA ) mandates the accuracy and fairness of credit reporting, and I am confident that your bureau will take immediate action to address this matter.

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 2023-11-22 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: FL

Complaint narrative:
This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX If my appeals for prompt action continue to fall on deaf ears, rest assured that I am prepared to take legal action to ensure justice prevails. I won't hesitate to involve an attorney to hold your bureau accountable for the repeated denials, the harm to my reputation, and the emotional turmoil this ordeal has inflicted upon me. I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. My emotions may be running high, but my determination to resolve this matter is even stronger.

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 2023-11-22 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: FL

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The Experian and XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX  Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance : {$670.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. 
XXXX XXXX XXXX  FRAUD, PLEASE DELETE!!!! 
If my appeals for prompt action continue to fall on deaf ears, rest assured that I am prepared to take legal action to ensure justice prevails. I won't hesitate to involve an attorney to hold your bureau accountable for the repeated denials, the harm to my reputation, and the emotional turmoil this ordeal has inflicted upon me. I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. My emotions may be running high, but my determination to resolve this matter is even stronger.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm disappointed by your claims & am rejecting them on the basis that you lack any material facts to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
If my appeals for prompt action continue to fall on deaf ears, rest assured that I am prepared to take legal action to ensure justice prevails. I won't hesitate to involve an attorney to hold your bureau accountable for the repeated denials, the harm to my reputation, and the emotional turmoil this ordeal has inflicted upon me. I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. My emotions may be running high, but my determination to resolve this matter is even stronger.

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 2023-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to address a matter pertaining to my credit report, specifically regarding late payments associated with my account. After reviewing my credit report, I have identified late payments recorded to my accounts. I understand the importance of maintaining an accurate and up-to-date credit history. I am writing to request the removal or updating of these late payments on my credit report. 
XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the XXXX XXXX customer service representative. 
I understand the need for accuracy and fairness in credit reporting, and I appreciate your attention to this matter. I kindly request that you investigate and update my credit report accordingly. 
Thank you for your prompt attention to this matter, and I look forward to a positive resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hi my name is XXXX XXXX, I am the owner of my Venmo acct, with routing XXXX ; an account XXXX. 
My account was CLOSED for zero reason an no explanation given. Also i had a total of over XXXX $ from my tax return in there. 
I tried calling, emailing, ect .... Still no REASON as to why my funds are frozen. I been a member a while with verified account, an then this happens. 

believe when I verified my identity I put the wrong email an it triggered the system. I emailed them all the correct info including a selfie of me, since the first request was to prove my identity, an still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: TX

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22 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: FL

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX and TransUnion credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 2023-11-22 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: MS

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

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 2023-11-22 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My issue is with equifax. Months ago when I decided to look at my credit through the 3 credit reporting agencys. Equifax was not able to show my credit score of report. Through their online platform it was showing unavailable and I was also showing a BLNK error. I was trying to get approved for purchases through 3rd parties that needed to rein my report provided by equifax. So this turned into a major issue at no fault of my own. So I contacted equifax fo resolve the issue. After explaining my problem to the representative they told me I had do send a copy of my drivers license and a cover letter explaining the errors provided. So I sent them the information they requested and even purchased tracking on the delivery. When the package showed delivered. I called back and followed up over the next week. They kept saying they didnt have it yet when they did. The new representative also told me that I had to repeat the steps as if it was a new problem. I politely argued that I already sent this information and paid for it with tracking. They said they would escalate and look into it. I never got a return call or fix. Ive also disputed this over their platform. As of today on XX/XX/XXXX I am still having the same issue. No report information or score with a BLNK error code. Says to contact them again. I am trying to finance things I need in life and this is hindering me from making these purchases because lenders and third parties cant pull the reports they need. Whats weird about it is transUnion platform can pull all 3 reports. Experian cant even update because it is also telling me its unable to pull equifax information so it cant even finish getting XXXX report either. Nothing has updated past XXXX because of this. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to formally bring to your attention the concerning behavior exhibited by Manager XXXX XXXX during our recent interaction regarding the debt collection process. 

During our conversation on Monday, XX/XX/XXXX at XXXX EST. XXXX XXXX displayed forceful and aggressive behavior towards me. Despite my acknowledgment of the debt and the challenging circumstances my family and I are facing due to maternity leave and my husbands job loss, XXXX XXXX repeatedly accused me of irresponsibility. 

I explicitly stated my willingness to address the debt in due course, mentioning my plan to utilize my tax refund in XXXX to initiate repayments to all creditors, including Midland. However, instead of understanding or empathy, XXXX XXXX continued to employ threatening language, insisting on immediate repayment and threatening legal action. 

His persistence in pressuring me, even after expressing discomfort with his approach and labeling it as abusive, was highly distressing and unacceptable. No individual should be subjected to such aggressive tactics, especially when attempting to navigate financial challenges caused by unforeseen circumstances. 

I request an immediate investigation into this matter and appropriate action against such abusive debt collection practices. My aim is not to evade responsibility but to request a fair and respectful approach to resolving this debt issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to address a matter pertaining to my credit report, specifically regarding late payments associated with my account. After reviewing my credit report, I have identified late payments recorded to my accounts. I understand the importance of maintaining an accurate and up-to-date credit history. I am writing to request the removal or updating of these late payments on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or their customer service representative. 
I understand the need for accuracy and fairness in credit reporting, and I appreciate your attention to this matter. I kindly request that you investigate and update my credit report accordingly. Thank you for your prompt attention to this matter, and I look forward to a positive resolution.

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 2023-11-22 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: AL

Complaint narrative:
I disputed an account for XXXX XXXX on my credit report that is reporting an incorrect balance and an incorrect and incomplete payment history. I requested documentation to prove this information and did not receive anything. Yet, the credit bureau is still reporting this account with incorrect, incomplete and unverified information on my credit report. This goes against the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
I requested that Caine and Weiner validate an account with documentation that they are reporting on my credit reports. The company did not validate the account and the account remains on my credit reports. This goes against the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation