vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 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: TX

Complaint narrative:
Due to discrepancies in missing payments, XXXXXXXX XXXX XXXX XXXX and myself are currently in litigation procedures and will be tied up in legal proceedings for the foreseeable future. It is because of these proceedings, along with the open and active disputes, that XXXXXXXX XXXX XXXX has listed the status of this account as " DISPUTED : CONSUMER DISPUTES ALL INFORMATION ''. This is the CURRENT STATUS of this account and myself, along with XXXX, have gone to great lengths to ensure that this status and, ONLY THIS STATUS, be reported by the credit bureaus. Unfortunately, after several attempts by XXXX and myself, to have the status of this account be reported correctly, the credit bureau has remained implicit in ignoring the demands of both the creditor and myself to report the correct status and has engaged in highly ILLEGAL activity by filing fraudulent disputes in the consumers name simply to remove the 'disputed ' status of the account and report the 'new ' status as they see fit. XXXX credit services has even taken the extraordinary steps of providing, not one but, two letters to the credit bureaus explaining, in writing, what the correct status of the account is, ( disputed ), AND why they were reporting it as such, ( disputed ). The first letter was written and sent in XXXX of XXXX  and the 2nd was written and sent in XXXX of XXXX, back to back months. Unfortunately, despite all aforementioned attempts on XX/XX/year> XXXX filed a fraudulent dispute in my name to have the status of the account changed back to charged off or delinquent, completely ignoring the disputed status that is supposed to be reported. This is my final attempt to try and get the correct status of this account reported correctly by the bureaus before filing a lawsuit for negligence, criminal activity as well as fraud for the aforementioned activities listed in this letter.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Due to discrepancies in missing payments, XXXXXXXX XXXX XXXX XXXX and myself are currently in litigation procedures and will be tied up in legal proceedings for the foreseeable future. It is because of these proceedings, along with the open and active disputes, that XXXXXXXX XXXX XXXX has listed the status of this account as " DISPUTED : CONSUMER DISPUTES ALL INFORMATION ''. This is the CURRENT STATUS of this account and myself, along with XXXX, have gone to great lengths to ensure that this status and, ONLY THIS STATUS, be reported by the credit bureaus. Unfortunately, after several attempts by XXXX and myself, to have the status of this account be reported correctly, the credit bureau has remained implicit in ignoring the demands of both the creditor and myself to report the correct status and has engaged in highly ILLEGAL activity by filing fraudulent disputes in the consumers name simply to remove the 'disputed ' status of the account and report the 'new ' status as they see fit. XXXX credit services has even taken the extraordinary steps of providing, not one but, two letters to the credit bureaus explaining, in writing, what the correct status of the account is, ( disputed ), AND why they were reporting it as such, ( disputed ). The first letter was written and sent in XXXX of XXXX  and the 2nd was written and sent in XXXX of XXXX, back to back months. Unfortunately, despite all aforementioned attempts on XX/XX/year> XXXX filed a fraudulent dispute in my name to have the status of the account changed back to charged off or delinquent, completely ignoring the disputed status that is supposed to be reported. This is my final attempt to try and get the correct status of this account reported correctly by the bureaus before filing a lawsuit for negligence, criminal activity as well as fraud for the aforementioned activities listed in this letter.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: NJ

Complaint narrative:
Recently I went over my Equifax consumer report and discovered that there is multiple collections accounts and inaccurate information reporting that's negatively impacting my credit score. There are collections agencies that are reporting debt to the credit reporting agencies but had no prior consent or authorization to obtain nor share my personal information. I am aware that I have a right of privacy in accordance of 15 U.S. Code 6801 - Protection of nonpublic personal information, in which sharing my personal information they. violated 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. I have no knowledge of the creditors that obtained my personal information nor did I give them consent to report any debt. The debt that they're seeking I refuse to pay. After reaching out to the creditors asking them to verify any alleged debt, they failed to provide any contracts or agreements between us. I asked Equifax to report accurate and verifiable information only. Equifax is reporting this account to my consumer report without having any proper verification documents. Violations committed by both Equifax and the Creditors reporting the alleged debt : 15 U.S. Code 6801 - Protection of nonpublic personal information, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681 - Congressional findings and statement of purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-18 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: LA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: WY

Complaint narrative:
This loan was fraudulently taken out under my name. I did not live in Utah at the time, and I was not attending college in Utah in 2010. Transcripts will show that I was taking classes in Wyoming. This has been ongoing since 2010.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX credit inquiry Requested on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/XXXXXXXX XXXX Requested On XX/XX/XXXXXXXX XXXX  Requested On XX/XX/XXXXXXXX XXXX XXXXXXXX Requested On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Requested on XX/XX/XXXXXXXX XXXX XXXX XXXX  Requested on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested on XX/XX/XXXXXXXX XXXX XXXX XXXX Requested on XX/XX/XXXXXXXX XXXX XXXX  Requested On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All these companies are showing up on my credit report that I recieved through my yearly credit report and I have no knowledge of or gave authorization to do any transactions that would require this type of authorization of any sorts.

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 2024-10-18 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: FL

Complaint narrative:
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 I looked at my Equifax credit report on XX/XX/XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: CA

Complaint narrative:
I got my credit card when I went to college at XXXX in XXXX. I do not remember ever signing up for a payment protection plan. I have never missed a payment in 15 years but I have started wondering why I have fees on my statements. I looked into payment protection at discover and learned that there have been several class action lawsuits against discover for payment protection plans being deceptive services. I saw that they paid customers back. I called discover to ask about this and they told me that I agreed to the terms in XXXX. This was three years before discover admitted to deceptive practices with this exact service. I told them I would have never knowingly agreed to pay for a service I never intended to use. They said they sent a letter in XXXX after the class action suit but I never received this. I cant even find where the service is listed in my discover app, so I have no idea how I would know I was ever enrolled and now that I do I cant even see where I would be able to cancel it in the app. I got a call back from discover last night and they said that they would forgive my last 6 billing periods as a courtesy and I told them that was outrageous. They said that is all they would offer and I told them that I would have to contact another entity as I want my entire history of payment refunded from a payment protection plan that they have had to admit was deceptive and predatory in the past.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-18 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: NV

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
This loan was fraudulently taken out under my name. I did not live in Utah at the time, and I was not attending college in Utah in XXXX. Transcripts will show that I was taking classes in Wyoming. This has been ongoing since XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: CA

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
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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, Experian, and XXXX 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 explanation