vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : TXXXX 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 2024-03-05 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: EQUIFAX, 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 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 2024-03-05 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: 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 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 explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report.

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 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Block and delete the fraudulent accounts listed below, as mandated by law and the FCRA. Failure to comply within 4 business days will result in legal action, and I do not consent to automated verification methods. I expect prompt resolution and acknowledgment of this matter. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$32000.00}, XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$920.00}, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}. Please delete.

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 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Block and delete the fraudulent accounts listed below, as mandated by law and the FCRA. Failure to comply within XXXX business days will result in legal action, and I do not consent to automated verification methods. I expect prompt resolution and acknowledgment of this matter. XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$32000.00}, XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$920.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}. Please delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
American Express violated the Fair Credit Billing Act. This law grants the right to dispute a charge with a card issuer and to withhold payment on a disputed charge until an investigation is complete. On XX/XX/2024, American Express reopened my fraud claim after I obtained new evidence independently. However, they continued to charge me interest on the disputed amounts during the two-month investigation. During phone calls with the bank, they requested that I continue making payments for the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GFS, Inc.
State: NM

Complaint narrative:
Disputes were sent to All 3 Credit Bureaus, XXXX, XXXX, XXXX Via Online Disputes & Physical Letters Several times & without result or explanation & Mostly the Removal of an Illegal sale of debt. The Purchaser is now the Legal Owner of the Debt, Therefore I OWE NOTHING & Demand the Action of Removal on All three Credit Bureaus Immediately, Or I will take very Public & legal action. 

According to the Fair Debt Collection Practices Act ( FDCPA ), Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1692, et seq.

Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681, et seq.

Consumer Financial Protection Act ( CFPA ) - 12 U.S. Code 5481, et seq.

State consumer protection statutes creditors are mandated to adhere to strict guidelines when transferring or selling debt accounts to collection agencies. These guidelines are put in place to protect consumers like myself from unfair and deceptive practices. However, it appears that these regulations may have been violated in my case. 

I must insist on immediate clarification regarding the status of my debt account and the parties involved in its management. Furthermore, I request detailed documentation and evidence demonstrating the lawful transfer of my debt, including any agreements or contracts signed by myself consenting to such actions. 

1 ) Account # Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone number : ( XXXX ) XXXX 2 ) Account # Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number : ( XXXX ) XXXX 3 ) Account # Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: AZ

Complaint narrative:
After reviewing a copy of my personal credit report, I have came across a few inaccuracies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chance of owning a home, getting a vehicle with a low APR or even credit card. I was denied use of my credit recently that brought this to my attention. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 

Personal Information The correct and only spelling of my name is XXXX XXXX XXXX XXXX REMOVE all other inaccurate information. 

REMOVE any address other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inaccurate accounts XXXX. The balances are in flatted on accounts. 
XXXX. The date of the Last Activity are inaccurate. 
XXXX. The date Opened are inaccurate. 
XXXX. The Closed Date is incomplete on accounts. 
XXXX. The Dispute Status is incorrect. 
XXXX. The Payment History is incomplete and inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also I do not or have not done any business or have an open account with any of these people. 

Inaccurate Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please take the time and consideration to remove the incorrect information from my credit report XXXX within our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty-day. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Arizona 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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
After reviewing a copy of my personal credit report, I have came across a few inaccuracies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chance of owning a home, getting a vehicle with a low APR or even credit card. I was denied use of my credit recently that brought this to my attention. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 

Personal Information The correct and only spelling of my name is XXXX XXXX XXXX XXXX REMOVE all other inaccurate information. 

REMOVE any address other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inaccurate accounts XXXX. The balances are in flatted on accounts. 
XXXX. The date of the Last Activity are inaccurate. 
XXXX. The date Opened are inaccurate. 
XXXX. The Closed Date is incomplete on accounts. 
XXXX. The Dispute Status is incorrect. 
XXXX. The Payment History is incomplete and inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also I do not or have not done any business or have an open account with any of these people. 

Inaccurate Inquires XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Please take the time and consideration to remove the incorrect information from my credit report XXXX within our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty-day. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Arizona XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: KY

Complaint narrative:
XXXX XXXX doubled charged me keep it open for 4 years just to ruin me they said it was closed a while ago so where did all that big XXXX come from my credit limit was XXXX and they trying to say i owe XXXX their ant no way if they closed it, and they just put numbers together i even tried to work with them and everything nobody wants to help me.i just don't like people taking advantage of me like this if u closed it why bill for 3 years after u closed it doesn't make since just fee changing XXXX XXXX This account is currently under dispute under dispute Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$740.00} written off. {$740.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$740.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$740.00} Terms - On record until XX/XX/XXXXXXXX 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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX  doubled charged me keep it open for 4 years just to ruin me they said it was closed a while ago so where did all that big XXXX come from my credit limit was XXXX and they trying to say i owe XXXX their ant no way if they closed it, and they just put numbers together i even tried to work with them and everything nobody wants to help me.i just don't like people taking advantage of me like this if u closed it why bill for 3 years after u closed it doesn't make since just fee changing XXXX XXXX This account is currently under dispute under dispute Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$740.00} written off. {$740.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$740.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$740.00} Terms - On record until XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : 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 explanation
Consumer complaint received 2024-03-05 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: IN

Complaint narrative:
Subjet : Request to Remove Unauthorized Hard Inquiries from Credit Report.

To whom it may concern, I am writing to formally request the removal of Unauthorized hard inquiries from my credit report, in accordance with the FCRA, Section 611. I recently obtained a copy of my credit report from Equifax Reporting Agency and discovered multiple hard inquiries that I did not authorized or initiate. These inquiries were made by : XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX on XX/XX/XXXX. 
According to the FCRA, Section 611 ( a ) ( 1 ) ( B ), it is the responsibility of the credit reporting agency to ensure that all information on a consumer 's credit report is accurate, including the removal of Unauthorized inquiries. As per the FCRA, Section 611 ( a ) ( 2 ) ( A ), these inquiries should only appear on my credit report if there is permissible purpose such as an application for credit or my express consent. I hereby declare that I did not authorize or have any affiliation with these companies on the mentioned dates, and I have not applied for any credit or services with them. Therefore, these inquiries are Unauthorized and inaccurate and they are causing damage to my reputation and my financial well-being. In light of the FCRA, and my rights as a consumer, I kindly request that Equifax Reporting Agency remove these inquiries from my credit report. As per the FCRA, Section 611 ( a ) ( 5 ) ( A ), I have previously sent in all the proper documentation to Equifax concerning these hard inquiries. I also request that Equifax provide me with a written response indicating the outcome within 15 days of receiving this letter. Please note that the FCRA allows for Civil liability for wilful noncompliance, including actual damages, statutory damages, and attorney fees. I hope and pray that we can resolve this matter without resorting to legal action and trust Equifax Credit Bureau will handle this request promptly and in accordance to the FCRA law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: SC

Complaint narrative:
Hunter Warfield INC is reporting a collection on my account for {$580.00} with no validation of this debt and without proof of my authorization of release of my PHI from any medical provider or organization. I have already attempted to verify through XXXX and received no information other than it was validated, but no breakdown of charges or a HIPAA release authorization proving they have right to my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: CA

Complaint narrative:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/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 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I observed my credit report and identified inaccurate and fraudulent accounts that require 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 2024-03-05 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: MI

Complaint narrative:
On XX/XX/XXXX I submitted a cfpb complaint towards Experian ... .I submitted a 4 day block and remove ( 15 U.S. code sec 1681 c-2 ) T have these accounts blocked from my consumer report See attached documents for the accounts listed below XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX without any response here is my certified mail numbers : # XXXX and # XXXX this is my second request /complaint as well as a NOTICE OF DEFAULT NOTICE OF OPPRTUNITY TO CURE with hopes of resolving 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