vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent a request to verify two bankruptcies on my credit report the information that appears is incorrect and was verified through a 3rd party and I wanted the information to be directly verified with the court the following was sent to the credit bureau by certified mail and included a copy of my driver license and a utility bill XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request for Direct Verification of Bankruptcy Information Reference : XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally dispute the information related to bankruptcy case XXXX XXXXXXXX as reported on my credit report by Equifax. Specifically, the filing date listed for the bankruptcy is incorrect. 

Under the Fair Credit Reporting Act ( FCRA ), I request that Equifax directly verify this information with the court where the bankruptcy was filed and provide me with evidence of the accuracy of the information, including a copy of the original court documentation reflecting the filing date. 

If Equifax is unable to verify this information through direct contact with the court or provide proper documentation of the filing, I request that the inaccurate information be removed from my credit report.

Please treat this as a formal dispute, and I would appreciate a prompt response within the 30-day period allowed by the FCRA. 

Thank you for your attention to this matter. I look forward to receiving confirmation that this issue has been addressed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Request for Direct Verification of Bankruptcy Information Reference : Bankruptcy Case XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally dispute the information related to bankruptcy case XXXX XXXXXXXX as reported on my credit report by Equifax. Specifically, the filing date listed for the bankruptcy is incorrect. 

Under the Fair Credit Reporting Act ( FCRA ), I request that Equifax directly verify this information with the court where the bankruptcy was filed and provide me with evidence of the accuracy of the information, including a copy of the original court documentation reflecting the filing date. 

If Equifax is unable to verify this information through direct contact with the court or provide proper documentation of the filing, I request that the inaccurate information be removed from my credit report. 

Please treat this as a formal dispute, and I would appreciate a prompt response within the XXXX period allowed by the FCRA. 

Thank you for your attention to this matter. I look forward to receiving confirmation that this issue has been addressed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-10-03 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: AZ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: NY

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Express Recovery Services, Inc.
State: VA

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL

Complaint narrative:
On XX/XX/year> I kept receiving messages that my user Id and password has been changed. I was assuming it was a scam till I tried to sign in and couldnt. I tried looking up a number to call for help, of course the phone number listed on XXXX was the number for a scammers, They started telling me what I needed to do and to click on a link so they can see who the scammers were and to stop them, I was told that they had all my information, including my XXXX account.They were trying to get me to approve transactions to make sure that they are not going through my bank and credit cards. So they of course used XXXX and XXXX XXXX and other credit cards to purchase gift cards from XXXX XXXX XXXX, XXXX XXXX and XXXX. I realized what they were doing and hung up right away and notified the bank and the credit cards companies. I immediately changed my passwords, notified the the credit bureau to put an alert on. The bank is refusing to give me back my money, Im XXXX XXXX XXXX and cant afford this loss, bad enough that they froze my account and had no money to buy food or pay my bills. I didnt authorize the scammers to do any transactions. They were telling me that these transaction will. It go through and they kept yelling and talking fast and I was so confused and worried and scared. These scammers were pretending that they are customer service helping me get my account back and trying to stop the scammers. 
I reported the case to the police, I submitted all the phone numbers, the names of the hackers to the bank as well as to the police. The bank still insist that I authorized these transaction and will not give me back my money. I lost so far XXXX and Im still waiting on XXXX XXXX and XXXX XXXX to make their decisions. I did have my data breach from few places prior to this incident, last one was XXXX XXXX. 
Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2024-10-03 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: MI

Complaint narrative:
To Whom It May Concern, I am extremely disappointed that inaccurate information has been included in my credit report. The Fair Credit Reporting Act gives me the right to dispute any such information, and I demand that this be rectified as soon as possible. I understand that creditors are required to document and validate the data in my credit report before using it. I find it unacceptable that allegations of delinquency and derogatoriness against me have been made, which are completely false. I will fight back with all my strength, but I need evidence that supports the negative status of my accounts. I request that you provide proof of a permissible purpose for the inquiry or account within my report. Your lack of attention to detail in compiling my credit report is disappointing, and I must say that you are not doing your job properly. Immediate action is imperative to resolve this issue ; otherwise, there could be serious consequences. I am giving you a 30-day window from the date of delivery to resolve this matter, and I hope that everything can become clear and correct itself without the need for intervention or escalation. 

XXXX - XXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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:
XXXX and its affiliate XXXX XXXX XXXX is not updating fairly or properly. My fico scores are drastically dropped which hinders my financial opportunities. XXXX and its affiliates is reporting that my accounts on XXXX are in good standing but score is drastically dropping ie from XXXX to XXXX on XXXX. 
According to XXXX and its third party affilate nothing has change and payment history is good then why isn't XXXX notifying XXXX XXXX XXXX of accurate status which is all accounts are in good standing. Iam asking for this issue to be corrected as my financial opportunities are in danger and causing problems for future financial aid or assistance. 
In addition there are inquires that I did not authorize that's on XXXX and XXXX XXXX in platform. 
Lastly if there is no reason for change on report and score why is why score so drastically low. I will allow the stipulated time to have this issue corrected after that I will persue legal action starting with the credit bureaus in question and its affiliate. This issue is going on for years and i will get Washington credit representatives involved this has to stop.

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 2024-10-03 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: NY

Complaint narrative:
Equifax and its affiliate XXXX XXXX XXXXXXXX is not updating fairly or properly. My fico scores are drastically dropped which hinders my financial opportunities. Equifax and its affiliates is reporting that my accounts on Equifax are in good standing but score is drastically dropping ie from XXXX to XXXX on Equifax. 
According to Equifax and its third party affilate nothing has change and payment history is good then why isn't Equifax notifying XXXX XXXX XXXXXXXX of accurate status which is all accounts are in good standing. Iam asking for this issue to be corrected as my financial opportunities are in danger and causing problems for future financial aid or assistance. 
In addition there are inquires that I did not authorize that's on Equifax and XXXX XXXX in platform. 
Lastly if there is no reason for change on report and score why is why score so drastically low. I will allow the stipulated time to have this issue corrected after that I will persue legal action starting with the credit bureaus in question and its affiliate. This issue is going on for years and i will get Washington credit representatives involved this has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
I went to XXXX XXXX XXXX XXXX for services and the services were not performed as expected. 
My teeth were damaged and all parties involved with my treatment plan were no longer with the institution/school. 

I filed a Dispute with the school 's XX/XX/XXXX and with Discover by exercising my rights as a Dissatisfied customer with the services I received. 

Discover 's reason for denying a reversal of charges was not in alignment with my complaint or within my Bill of Rights as a card member.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc.
State: NV

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXX validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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 recently checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I put up XXXX XXXX for a secured credit card, i cant get back my money

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 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
WELLSFARGO SENT MEDIATION REQUEST TRACKING NUMBER XXXX. 

I SENT THE UPDATED FORM 3 TIMES FROM PAST 3 MONTHS AND THEY KEEP CLOSING AS DUPLICATE REQUEST FROM LAST YEAR. 

WellsFargo is not making any sincere effort to resolve the case when they themselves sent me the mediation form. When they sent the mediation form they agree that it can go thru mediation process.

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 2024-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-10-03 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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation