vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-13 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: PA

Complaint narrative:
Subject : Dispute of Inaccurate and Unverifiable Bankruptcy Information To Whom It XXXX Concern, I am writing to formally dispute the inaccurate and unverifiable bankruptcy information that has been reported on my credit report. I have reviewed my credit report and identified the following bankruptcy entries which are both incorrect and unverifiable : XXXXXXXX XXXX XXXX Reference Number : XXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXX  Reference Number : XXXX Date Filed : XX/XX/XXXX The bankruptcy records provided by the court, which I have enclosed, confirm that these records should not be reported to credit agencies. Therefore, their presence on my credit report constitutes a violation of the Fair Credit Reporting Act. 

I demand that you immediately cease and desist from reporting this erroneous and deceptive information. Additionally, I require that these inaccurate entries be deleted from my credit report and all of your systems without further delay. 

Please be advised that if this matter is not resolved promptly, I will be forced to pursue legal action for the following violations : Permissible Purpose : {$1000.00} Defamation of Character : {$1000.00} Damaged Reputation : {$1000.00} Damaged Credit Worthiness : {$1000.00} Damaged Mode of Living : {$1000.00} Infringement on Right to Privacy : {$1000.00} The cumulative potential damages total {$6000.00}. This action is not intended as a threat, but rather a necessary step to ensure compliance with credit reporting laws and the protection of my rights. 


Thank you for your immediate attention to this matter. 

Sincerely,

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 2024-10-13 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: TN

Complaint narrative:
I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX XXXX XXXX XXXX ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733. 
XXXX XXXX XXXX XXXX XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( EQUIFAX ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data XXXX XXXX  for the accountopened XXXX XXXX with account number XXXX XXXX, XXXX XXXX XXXX for the account opened XX/XX/year> with account number XXXX. Failure to remove the accounts in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( EQUIFAX ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to compy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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:
Nearly XXXX XXXX people hacked in National Public Data breach XX/XX/year> 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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:
Nearly XXXX XXXX people hacked in National Public Data breach XX/XX/year> 2024

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 2024-10-13 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an XXXX  XXXX  helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX  Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXX {$3000.00}, XXXX XXXX XXXX XXXX {$27000.00}, XXXX XXXX {$460.00}, XXXX {$2000.00}, XXXX  XXXX {$1400.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX  Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXX {$3000.00}, XXXX XXXX XXXX XXXX {$27000.00}, XXXX XXXX {$460.00}, XXXX {$2000.00}, XXXX  XXXX {$1400.00}

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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I initially requested my annual credit report from AnnualCreditReport.com for the three credit bureaus. XXXX and XXXX provided my report as requested. However, TransUnion was unable to process the request online. Consequently, I contacted their customer service on XX/XX/XXXX, and a representative assured me that my credit report would be mailed to my address within XXXX business days. After 7 days without receiving the report or any communication, I reached out again on XX/XX/XXXX. They informed me of a delay and promised to send the report within another XXXX business days. Yet, another week passed without any correspondence or the report from TransUnion. 

My frustration grew as I made another call on XX/XX/XXXX to ask about the whereabouts of my credit report and why it hadn't been sent to my address. The representative informed me that my request had been voided. Deeply angered with TransUnion, I insisted they send my report to my original address, a request I had made several times before. XXXX more days passed without any correspondence from TransUnion. After numerous unsuccessful attempts to reach them, I called again on XX/XX/XXXX, this time demanding to speak with a manager because my repeated requests for a free credit report had been ignored. Unfortunately, no manager was available, and I was assured that a supervisor would return my call promptly. 

I did not receive a call until XX/XX/XXXX, and the caller clearly told me that he was not a supervisor. He was a customer service representative who incorrectly accused me of requesting my credit report via email, which is untrue. Furthermore, I have received nothing from TransUnion in my email. By this stage, I was extremely frustrated because my right to a free credit report was disregarded, and the representative was of no assistance. I asked for the possibility of expediting the express delivery of the report to under seven days, given the two-month delay I had already faced, but even this could not be accommodated. As of today, XX/XX/XXXX, it has been over seven days, and my free annual credit report has still not arrived.

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 2024-10-13 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: FL

Complaint narrative:
I do not recognize these credit injuries and i have ask the credit bureaus to remove them and they have not. i will attach the identity theft report and want this removed. they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I do not recognize these credit injuries and i have ask the credit bureaus to remove them and they have not. i will attach the identity theft report and want this removed. they are not mine.

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 2024-10-13 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: OH

Complaint narrative:
I recently challenged a bankruptcy on my credit report and the bureau claimed they investigated the bankruptcy and said it was verified. Its my understanding that the bureau suppose to report complete and accurate information. If they truly investigated Then why are all XXXX XXXX bureaus are reporting different things XXXX is not reporting a bankruptcy at all, Experian is saying I petition for Bankruptcy and XXXX is say the bankruptcy has been discharge also the courts name dont match and other information.

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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Starting XXXX months ago I began receiving emails for an Experian credit monitoring account which is not mine. The emails are coming to an email address I did not register with Experian, addressed to someone else named XXXX. I spent XXXX hours on the phone on Friday just to speak to a human being who assured me the issue was finally resolved. It was NOT. As of today I have received further emails addressed to the wrong person at my email address. If this is not immediately rectified I intend to file a legal claim against Experian for misuse of my information.

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 2024-10-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Tried to use the card at XXXX who does not require a CVV code. It was declined. Then tried it at XXXX that does ask for expiration date and CVV. That purchase was declined. Called American Express and they claim no expiration date and CVV were sent so it was declined. Card has a balance. Checked on redit and this is very common. American Express is committing theft by not allowing their cards to be used anywhere including in store.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-13 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: Oasis Legal Finance Holding Company, LLC
State: WI

Complaint narrative:
HI, I first noticed a hard inquiry from Oasis Financial in XX/XX/XXXX, on my XXXX report. I called them & they told me it was an error on their end, it should have just been a soft pull & instructed me to send an email to the manager that handles these issues. & He reached back out to me after a couple weeks stating he already notified XXXX to change the inquiry to soft pull & emailed me proof. I waited awhile & nothing was changed, Oasis Financial told me I need to contact XXXX for the issue because they already did their part. I contacted XXXX several times & I did a dispute to remove this inquiry & they just ignored my request & stating they can not remove it or change the hard inquiry to soft only the company can. I am really exhausted with the back in forth from both Oasis Financial & XXXX, not properly doing their jobs right. In the 1st place I NEVER should of had a hard inquiry, Oasis Financial is a loan company that works with XXXX XXXX cases to let you borrow from your future settlement & I borrowed a few thousands in XX/XX/XXXX & when my XXXX XXXX cases were settled in XX/XX/XXXX, my lawyers paid them back. I was told only time anything would show up on my credit report is if I didn't pay the loan back & the loan was paid back & I was NEVER told there would be a soft inquiry in the 1st place either, so I was shocked when I received a hard inquiry dating XXXX showing up almost a year later. This should be a simple fix to request to XXXX to remove the hard inquiry & change to soft inquiry or just no inquiry at all. This has caused my credit score to drop & I am in the process of preparing to buy my 1st home. It's causing me stress & extra time, to call both companies, just to get no where. I appreciate if they work together to get this matter corrected ASAP! THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX XXXX XXXX XXXX notified me via letter that they notified TransUnion to remove a hard inquiry I still have disclosed as of XXXX XXXX. TransUnion has not complied with my rights as a consumer after being notified to remove hard inquiry

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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have credit inquiries on my credit reports that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have credit inquiries on my credit reports that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-10-13 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: ME

Complaint narrative:
15 U.S Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identiy theft, not later than 4 business days after the receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM XXXX  This is so unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: ME

Complaint narrative:
15 U.S Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identiy theft, not later than 4 business days after the receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM XXXX This is so unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX, XXXX 2024 XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, NY XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed which I would like removed please ) : Correct Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be one address listed on my report, which is again XXXX XXXX XXXX, # XXXX XXXXXXXX XXXX XXXXXXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : Incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove inaccurate employers as well as listed below : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX The correct employers is XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

Thank you, 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 2024-10-13 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the credit bureaus failure to properly investigate and validate a charge-off account listed on my credit report. I previously disputed the information related with XXXX XXXX because I believe it is inaccurate and was not substantiated by the original creditor. 

Issue Description : On XX/XX/2024, I disputed the accuracy of a charge-off account appearing on my credit report. 
In response to my dispute, the bureaus claimed the information had been validated with a billing statement from the creditor. 
However, a billing statement alone does not constitute proper validation of a debt, as it does not provide evidence from the original creditor that the account is legitimate, belongs to me, or that the debt was properly assigned. 
According to the Fair Credit Reporting Act ( FCRA ), the credit bureau is required to conduct a reasonable investigation and verify that the information is accurate by obtaining evidence from the creditor, such as contracts, original account agreements, or other relevant documentation. This was not done in my case. 

Why This is a Problem : A billing statement does not provide sufficient validation of a debt under the FCRA. 
The credit Bureaus have failed in its duty to investigate the legitimacy of the charge-off and has not provided any documentation proving the accuracy of the account beyond a basic billing statement. 
This failure has caused harm to my credit score and financial standing by allowing inaccurate and improperly substantiated information to remain on my credit report. 

Requested Resolution : I am requesting that the credit bureau be required to properly investigate this account by obtaining actual documentation from the original creditor that confirms the legitimacy of the debt, the amount owed, and my connection to the account. 
If they are unable to provide this documentation, I request that the charge-off account be removed from my credit report immediately. 
Additionally, I request that the CFPB investigate the credit bureaus violation of the FCRA regarding reasonable investigation procedures for disputed information. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

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