vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 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 originally filed a CFPB COMPLAINT # XXXX Stating the following : " Inquiries that I did authorize currently appear on my Equifax credit report. These include the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These should be removed immediately. '' Equifax responded to my dispute stating " XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZED PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. Inquiry : XXXX XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZED PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. Inquiry : XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. '' I informed Equifax that these inquiries resulted from fraud. EQUIFAX has failed to comply with the Fair Credit Reporting Act ( FCRA ).

THESE INQUIRIES SHOULD BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

This is my second complaint on this matter. Please be advised that if this matter is not resolved soon, I will be forced to take legal action against Equifax.

Please refer to Fair Credit Reporting Act ( FCRA ), Section 623.

The data furnisher must NOT report inaccurate information, which EQUIFAX is currently doing.

Also, a " federal government identity theft report '' was attached to the previous complaint which was disregarded by Equifax. 

Lastly, I can prove Equifax did not do its proper due diligence, because one of the companies to who the inquiry belongs, sent me a letter informing me that they concluded the application was a result of fraud, and will be working with credit bureaus to remove any false information, This conflicts with Equifax statement that the inquiries are " FACTUAL '' I will be attaching that letter to this complaint as well. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: NY

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-11-01 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: NY

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: DC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-01 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2024-11-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Company Name : COLUMBIA DEBT RECOVERY Collections Amount : {$9500.00} Urgent Request for Removal of Inaccurate Accounts on Credit Report : Upon reviewing my credit report, I discovered accounts that do not belong to me, which have severely impacted my credit score across all three bureaus. I first noticed these discrepancies on XX/XX/year>, and since then, they have negatively affected my financial opportunities, preventing me from applying for mortgages, credit cards, and other financial products. These accounts represent false debts that were added to my report without my knowledge or authorization. I am requesting immediate action to investigate and remove these inaccurate entries. Please confirm receipt of this complaint and provide an update on the steps being taken to resolve this issue. Thank you for your prompt attention to this urgent matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: IL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. The inaccuracies are very stressful to my state of mind and theyre mostly affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it go to waste because of some errors that arent even my fault. I'm just really worried but right now, all I can do is hope.

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 2024-11-01 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: CA

Complaint narrative:
I've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
See attached complaint of ongoing inaccurate payment history information that was concealed for 9 years, and that after discovery of the inaccurate information 's basis, Nationstar refuses to make error corrections to the month each payment was inaccurately applied to. Also, see evidence attached, including XXXX XXXX admission XX/XX/XXXX that in fact XXXX DID receive my XX/XX/XXXX loan payment and they too refuse to make necessary corrective action refusing to remove an admittedly inaccurate loan payment reversal to allow for reassessment of the month each payment was applied to and reassessment of late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: CO

Complaint narrative:
For a few YEARS now, annualcreditreport.com has " locked me out '' for one reason or another so that I have not been able to print out my 3 reports ( stating that " I already got my 3 reports '' when I had NOT ). I HAVE been notified by a couple companies this year that my " personal data has been breached, including SS # and birthdate '' ( which supposedly entitles me to a free credit report ). I tried submitting a WRITTEN request for my personal credit report and I waited a couple weeks for my reports to be sent to me and STILL THEY WON'T SEND MY REPORTS TO ME. Today I submitted a request for help with this with my senator, and I also tried to submit a phone request with annualcreditreport.com. I have literally tried FOR YEARS to get a copy of my personal credit records and have been unable to ever get my information through their website nor through a written request. Maybe CFPB can knock on their door and have them actually respond to my requests in writing and phone since their website has been an unusable method for several years for me to access my reports and because WRITING to them also failed to get a reply. Please help me to finally just get my credit reports. Pretty please?

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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc.
State: NC

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : personal information Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account is not being updated properly And the debt company XXXX and XXXX XXXX XXXX is not providing and the information that proving its my account.

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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Date : XX/XX/year> Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, GA XXXX : XXXX Number : XXXX : XXXX XXXX XXXX Customer Service Department XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Re : Revocation of Cease and Desist Order Dear Sir/Madam, I am writing to formally withdraw the cease and desist order previously issued under my name, regarding my alleged account associated with XXXX account number : XXXX or any related matters. 
This decision comes after careful consideration and a satisfactory review of the circumstances surrounding the issues initially cited in my original letter. Today speaking to a representative showed me a lot of incorrect information regarding this account, for example the email was incorrect, the phone number was wrong, and address on this account. I never receiving a copy of the contract, a deficiency notice or a redemption notice. I do not know if this vehicle was repossessed or totaled. I appreciate your cooperation and attentiveness in addressing my concerns. 
Please consider this letter as an official revocation of any restrictions or communication barriers previously requested under the cease and desist order. I authorize you to resume normal processing and communications regarding my account. 
Thank you for your attention to this matter. Should you need any further information to confirm this revocation or to discuss the account, please feel free to contact me at ( XXXX ) XXXX or XXXX. 
Sincerely, 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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Date : XX/XX/year> Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, GA XXXX : XXXX Number : XXXX : XXXX XXXX XXXX Customer Service Department XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Re : Revocation of Cease and Desist Order Dear Sir/Madam, I am writing to formally withdraw the cease and desist order previously issued under my name, regarding my alleged account associated with XXXX account number : XXXX or any related matters. 
This decision comes after careful consideration and a satisfactory review of the circumstances surrounding the issues initially cited in my original letter. Today speaking to a representative showed me a lot of incorrect information regarding this account, for example the email was incorrect, the phone number was wrong, and address on this account. I never receiving a copy of the contract, a deficiency notice or a redemption notice. I do not know if this vehicle was repossessed or totaled. I appreciate your cooperation and attentiveness in addressing my concerns. 
Please consider this letter as an official revocation of any restrictions or communication barriers previously requested under the cease and desist order. I authorize you to resume normal processing and communications regarding my account. 
Thank you for your attention to this matter. Should you need any further information to confirm this revocation or to discuss the account, please feel free to contact me at ( XXXX ) XXXX or XXXX. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I mailed Transworld Systems INC on XX/XX/year> and they have not responded to my letter. My issue is I never received any information from them about this and it just appeared on my credit agency reports of XXXX XXXX and XXXX. I sent them mail for verification that they have the right to put this on my credit agency report and they ignored my letter. I am attaching that same letter here for their review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: MO

Complaint narrative:
I have filed multiple complaints in reference to my federal consumer rights being violated by XXXX, Equifax, and XXXX due to their reporting on my consumer report. I received mail from them in reference to verifying my identification. I provided my ID, social security card, and multiple pieces of mail, one being a bill and other a promotion mail from a promotional inquiry attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: MO

Complaint narrative:
I have filed multiple complaints in reference to my federal consumer rights being violated by XXXX, XXXX, and Experian due to their reporting on my consumer report. I received mail from them in reference to verifying my identification. I provided my ID, social security card, and multiple pieces of mail, one being a bill and other a promotion mail from a promotional inquiry attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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:
I am writing to request the immediate blocking and deletion of specific accounts on my credit report due to my status as a victim of a recent data breach. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these accounts be blocked and deleted to prevent further unauthorized use of my personal information. 
Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 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: TX

Complaint narrative:
I am writing to request the immediate blocking and deletion of specific accounts on my credit report due to my status as a victim of a recent data breach. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these accounts be blocked and deleted to prevent further unauthorized use of my personal information. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry to Be Blocked and Deleted 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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: NY

Complaint narrative:
I am attempting to buy auto insurance and being told there is no auto insurance rates available in my area due to my XXXX XXXX. How am I supposed to live without the ability to attain auto insurance for my vehicle in my name? I haven't had an at fault accident in the recent 2 decades, never killed another driver or passenger ( s ), never had a DUI or DWI BUT STILL DON'T QUALIFY FOR AUTO INSURANCE IN MY AREA? Insurers are taking advantage of consumers with the help of LEXISNEXIS XXXX XXXX which is INACCURATE, UNETHICAL AND BIASED. I attempted to attain a copy of this XXXXXXXX XXXX via online request and got denied! I called in over the phone and got denied because " my address wasn't verifiable '', who gave these people my personal/confidential information in the first place to even use to verify ANYTHING?? THEY ARE ALLOWED TO REPORT NEGATIVE, BIASED INACCURATE FALSE INFORMATION to insurers for their benefit ABOUT MY insurance HISTORY WITH NO RECOURSE WHICH IS TOTALLY UNCONSTITUTIONAL.

Company response to consumer: Closed with non-monetary relief