vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: OR

Complaint narrative:
i received my consumer report of which i forgot to save and print. the link expired so i called with my account and case number and requested a new link for the same report as it contained info in which i was needing to dispute asap. they refused me a new link to the same report even though i was able to successfully verify my identity. the did however send me a new repuort of which was not the name i entered, wasting my time and then again i requested a new link and again they verified my identity but sent a notice with the wrong spelling of my name and an invalid link of which they couldnt explain why the randomly generated access code to my link did not work. they asked me to supply them with the access code i was given and they said it didnt work. but they refused a new link via email even though i was told i could request my report link via email. so now i feel i wasnt talking to the actual consumer risk company and being scammed. it is the same girl who answers the phone everywhere i call. along with three other individuals. i have them on multiple recordings from calls ive placed to different companies. so frustrating. i recieved an adverse action letter from my insurer less than three months into my XXXX month policy metioning too many claims ( i had two vehices and the claims were roadside assistance ) and a speeding violation of which i was never convicted of from well over a year ago and i never even knew about this violation. i also still have a valid license. i was under the impression i have tobe convicted of this violation for it to effect my insurance rate. i believe someone is using my identity and have a police report of identity theft. i have court documents showing ive never been convicted of any violations in question. so this report was very important in saving my insurance. but having to wait two weeks each time they send me the wrong or not working report has now cost me my policy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: IN

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: IN

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
According to Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to request that credit reporting agencies ( CRAs ) block the reporting information on their credit report that was the result of identity THEFT. Because my information was disclose on the Data Breach : I have several fraudulent accounts that should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These Accounts are due to the Data Breach, therefore they should be removed immediately from my consumer report.

15 U.S.C 1681... PROMOTES THE ACCURACY, FAIRNESS, AND PRIVACY OF PERSONAL INFORMATION ...,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: TN

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 2024-12-30 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: IN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-30 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: TN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-30 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: IL

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: IN

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I had paid off and closed this account prior to filing for bankruptcy. Navy federal was never included on my list of creditors. This account shows discharged in bankruptcy when it should be paid in full and closed prior to filing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-12-30 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: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-12-30 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
On my XX/XX/XXXX sears Mastercard a charge for appered dated XX/XX/XXXX. XXXX for {$230.00}. As soon as I received the XXXX statement I filed a dispute stating I was not responsible for this charge. The charge was then credited to my account on XX/XX/XXXX, pending review of the dispute. 

However, the charge for {$230.00} reappeared on my XX/XX/XXXX statement with the date of XX/XX/XXXX. I contacted sears Mastercard customer service to inquire as to why this reappeared and was informed they sometimes put the charge back on pending final review. I was assured when the review was completed, this charge would be removed. 

On XX/XX/XXXX I received a notification from sears Mastercard that this dispute dated XX/XX/XXXX had been resolved and a credit had been issued on XX/XX/XXXX. There was no mention of the reinstated charge of {$230.00} which appeared on my XXXX statement, dated XX/XX/XXXX I then contacted sears Mastercard and was told that I was correct and the second charge should be removed. However, I was told the dispute department had closed the dispute, because it had been resolved in my favor, and they could not look at or reopen the dispute. They also said I couldn't call the dispute department to discuss and said the only way to resolve was to write a letter to the dispute department and request reopening of the original dispute. That letter was sent in XXXX of XXXX. 

To date, I have received no response to that letter. I have called 5 times requesting an update to the status on this dispute. When contacting customer service everyone agrees that the reinstated charge should be removed, however, no one can contact the dispute department. I was told by XXXX supervisor in XXXX, after he reviewed all the notes, that he would send a message and this would be resolved in XXXX business days. After no credit was issued, I called back and requested a supervisor again who informed me she basically could not help me. 

This initially occurred in XXXX of XXXX. Mastercard agreed this dispute was valid in XXXX of XXXX. It is now almost XXXX and I have not received ANY communication from sears Mastercard on this dispute and have not received the removal of the re-applied charges on my credit card.

attached letter from Mastercard validating dispute but only removing the XXXX charge, not the charge they reinstated in XXXX. 

my letter to sears Mastercard dispute requesting re-opening of this dispute per the instructions of the customer service supervisor from Mastercard.

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 monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
This account was included in my bankruptcy and has resurfaced after discharge with new account open and closed dates. This account is inaccurate, listed as open date : XX/XX/year>, past due {$1600.00}

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 2024-12-30 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: MO

Complaint narrative:
I have just checked my credit score from XXXX XXXX and when I did it said I have a derogatory account which is True Accord XXXX I have no knowledge of this debt. My credit report says that I owe {$85.00} for a Account charge off, dates late XXXX, reported XX/XX/24, XXXX last four numbers of the account number, date of account status XX/XX/24. I have not seen anything from this collector. Today when I pulled up my XXXX credit report was the first time I saw it. For XXXX years I have lived @ the same address, so I shouldn't of had any problems with my mail. Under the fair debt Collection Rule I should have received some form of validation of this debt before they reported it on my credit report. I have looked thru my pile of mail in my box there ( over a yr. old ) there is nothing from this company. I do not know who this is or who they are collecting for. I have had in the past a collection agency that somehow got ahold of my credit report and tried collecting a charged off debt but I called the original creditor just to find out they did not send the account for collection. If I knew who they got this debt from I could call them for validity. I have filed a dispute with XXXX also. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 IDENTITY THEFT. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-30 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: IN

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 2024-12-30 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: VA

Complaint narrative:
OFFER OF SETTLEMENT/ SMALL CLAIMS DEMAND LETTER THIS IS THE FINAL ATTEMPT TO SETTLE THIS DISPUTE OR DELETE IT FROM THE FILE From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX Dear Equifax Information Services LLC XXXX This letter serves as the last and final attempt to settle the following matter : Equifax is inaccurately reporting my settled XXXX XXXX XXXX XXXX account Number : XXXX Despite clear documentation confirming that this account was resolved on XX/XX/XXXX, Equifax continues to report the account under the incorrect status of " Collections/Charge Off '', along with remarks indicating " Paid for less than the full balance. '' These inaccuracies violate 15 U.S.C. 1681 ( a ) of the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies ensure maximum possible accuracy of the information contained in consumer reports. This failure to maintain accurate information has caused significant harm to my credit score, restricted my financial opportunities, and caused undue emotional and financial stress. 

To resolve this matter amicably, I am requesting one of the following : XXXX. Immediate correction of the account status to reflect that the account was resolved in full and is no longer in collections or charged off. This includes removing all references to late payments and " Paid for less than the full balance, or delete it from my file. 


XXXX. Compensation of {$4500.00} for damages resulting from this inaccurate reporting. 

You must respond to this letter by XX/XX/XXXX. 

Failure to respond or take corrective action will leave me no choice but to pursue legal action against Equifax for violations of the FCRA and other applicable consumer protection laws. This may result in Equifax being liable for statutory damages, actual damages, attorneys fees, and other associated costs. 

I trust we can resolve this matter promptly and avoid unnecessary litigation. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: MA

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