vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 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: IN

Complaint narrative:
Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: PA

Complaint narrative:
duty pursuant to the FCRA, it is EXPERIAN 's to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 2 inaccurate late payments for the XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX and a 60 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681c ( a ) ( 5 ) ( a ) Information excluded from consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make a consumer report containing any of the following items of information : ( 5 ) Any other adverse item information, other than records of convicitions of crimes which antedates the report by more than seven years. Here Adverse items are delinquent items. I have already contacted EXPERIAN three times via letter correspondence and EXPERIAN failed to correct the item as PAID as AGREED. I have also asked EXPERIAN to provide me with method of verification and EXPERIAN failed to provide method of verification. Furthermore pursuant to 12 C.F.R. 1016.7 ( g ) and ( h ) ( of Regulation P ) I want to opt out of sharing my information and revoke verbal, non-verbal, written, implied, etc. consent EXPERIAN may have had to share that 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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
duty pursuant to the FCRA, it is EQUIFAX to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting XXXX inaccurate late payments for the XXXX XXXX XXXX XXXX  XXXX XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX and a 60 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ) ( a ) Information excluded from consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make a consumer report containing any of the following items of information : ( XXXX ) Any other adverse item information, other than records of convicitions of crimes which antedates the report by more than XXXX years. Here Adverse items are delinquent items. I have already contacted EQUIFAX XXXX times via letter correspondence and EQUIFAX failed to correct the item as PAID as AGREED. I have also asked EQUIFAX to provide me with method of verification and EQUIFAX failed to provide method of verification. Furthermore pursuant to XXXX C.F.R. XXXX ( g ) and ( h ) ( of Regulation P ) I want to opt out of sharing my information and revoke verbal, non-verbal, written, implied, etc. consent EQUIFAX XXXX have had to share that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/year>, I received a text message stating - Congratulations, your Bank of America credit request was approved. Welcome package and card ( s ) will arrive within 14 days. Reply HELP for help or STOP to stop.

I assumed it was a junk or fishing text, so I ignored it. 2 weeks later I received a credit card in the mail. I immediately called Bank of America customer service to report it as fraudulent. The card had a balance of {$95.00} which was the annual fee. They removed and cancelled the card. I was told I would receive a report in the mail which I never received. I also asked for a copy of the application, but they transferred me to another department and the call was dropped. 

The credit card was an XXXX XXXXXXXX XXXX On XX/XX/year> ( today ) - I received a 2nd text message : Congratulations, your Bank of America credit request was approved. Welcome package and card ( s ) will arrive within 14 days. Reply HELP for help or STOP to stop. 

I immediately called to report it and found out that a 2nd card had been applied for in my name. It was a XXXX XXXX XXXX XXXX also issued by Bank of America. I went through the same process of cancelling the card. This time they told me that they would send a fraud report within 10 days and that I would receive a copy of the application. 

I did not apply for either card and never filled out an application. My credit report/score dropped XXXX points from the first attempt and Im concerned the 2nd will further negatively affect my credit. I have placed a freeze on all three credit buereau websites.

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 2024-02-28 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: IL

Complaint narrative:
I have asked these companies for debt validation multiple times and have not been given this information. I need these accounts removed from my credit report as they are stopping me from being able to find housing. If a FTC report needs filed for privacy violations in order to get them removed I can do that as well! All I ask is that this information be provided from these companies within the next 10 days or remove the accounts from all of my reports that they are currently reporting to. Thank you! 

Furnisher, Account Number and Date Opened Below. 

XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX Information requested ( i ) The last statement date, which is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor ; ( c ) Validation information. 
( XXXX ) Debt collector communication disclosure. The statement required by 1006.18 ( e ) ( 2 ) Information about the debt.

( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.

( ii ) The consumers name and mailing address.

( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.

( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. 
( v ) The name of the creditor to whom the debt currently is owed. 
( vi ) The itemization date. 
( vii ) The amount of the debt on the itemization date. 
( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. 
( ix ) The current amount of the debt.

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 2024-02-28 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: SC

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-02-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
I decided to open a Robinhood account for in 2023 beginning of the year and as I tried to verify my information it was pending. I funded my account XXXX $ into the saving account from what was in my XXXX XXXX at that time. But the. I decided to put the XXXX $ into my bank account they said my account was locked and can not withdraw my funds into the account because of suspicion which I dont understand why when I gave them my ID and selfie. It been over a year and still did not hear anything or received my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: SC

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-02-28 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-02-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
OnXX/XX/2019 I reached out to this company explaining the debt and no response was ever made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
i asked transunion to validate this debt because i dont know where it came from and i have not got a response from them yet.

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 2024-02-28 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2024-02-28 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: NV

Complaint narrative:
Upon reviewing my updated credit report, I observed seventeen ( 17 ) credit inquiries presented by your agency that I deem problematic. I have reached out to the corresponding companies to request the removal of these inquiries from their records and the deletion of any associated information with all credit reporting agencies. These companies assured me of their compliance and commitment to take the necessary actions to address the issue. Additionally, I had previously communicated with your agency to ensure the resolution of these matters. However, it appears that the requested removals have not been executed. I kindly request the immediate removal of the specified inquiries listed below : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I request these inquiries be removed promptly, as I plan to apply for a home mortgage shortly and aim to ensure my credit score accurately reflects my creditworthiness. I anticipate a comprehensive update on your removal procedures within a 30-day period and look forward to the swift rectification of this issue.

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 2024-02-28 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: AZ

Complaint narrative:
To whom this may concern, I am writing to exercise my rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically per XXXX XXXX XXXXXXXX. As a federally protected consumer, I hereby opt out of any and all authorizations for the sharing of my nonpublic personal information that I XXXX have previously provided, whether those authorizations were given in writing, verbally, or implied through my actions or inactions. 

This includes, but is not limited to, any consent I may have provided for the sharing of my personal financial information with non-affiliated third parties. I request that you cease sharing my nonpublic personal information, except as required by law. 

Please confirm in writing that my request to opt out has been processed and provide any further steps I need to take, if applicable. 

Thank you for your prompt attention to this matter. 

I look forward to your confirmation that my opt-out request has been honored. 

Sincerely, 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 2024-02-28 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: AZ

Complaint narrative:
To whom this may concern, I am writing to exercise my rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically per XXXX XXXX XXXX As a federally protected consumer, I hereby opt out of any and all authorizations for the sharing of my nonpublic personal information that I may have previously provided, whether those authorizations were given in writing, verbally, or implied through my actions or inactions.

This includes, but is not limited to, any consent I may have provided for the sharing of my personal financial information with non-affiliated third parties. I request that you cease sharing my nonpublic personal information, except as required by law. 

Please confirm in writing that my request to opt out has been processed and provide any further steps I need to take, if applicable. 

Thank you for your prompt attention to this matter. 

I look forward to your confirmation that my opt-out request has been honored. 

Sincerely, 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 2024-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am writing to formally dispute the validity of a collection account appearing on my credit report. According to my records, the account in question, referenced under [ XXXX ] - XXXX XXXX XXXX, does not belong to me, and I request its immediate removal in accordance with consumer protection laws. Upon reviewing the details of the alleged debt, I am confident that this account is erroneous. I would like to draw your attention to the fact that the last four digits of my social security number and my age do not match the information associated with the aforementioned account. Per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information. 

As such, I urge you to conduct a thorough investigation into this matter and promptly remove the disputed collection account from my credit file. Furthermore, I kindly request that you provide me with written documentation verifying the legitimacy of this debt, including any contracts or agreements bearing my signature. 

Failure to provide such evidence will further substantiate my claim that this account is invalid. Please be advised that the inclusion of inaccurate information on my credit report is not only damaging to my financial reputation but also constitutes a violation of my rights under federal consumer protection laws. Therefore, I expect your full cooperation in resolving this matter swiftly and ensuring that my credit report reflects only accurate and verifiable information. 



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