vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My repeated efforts to correct fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely affected my life, causing considerable stress. I emphasize that I never authorized this information 's association with my name, as I've been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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 repeated efforts to correct fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely affected my life, causing considerable stress. I emphasize that I never authorized this information 's association with my name, as I've been a victim of identity theft.

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 2024-07-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My repeated efforts to correct fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely affected my life, causing considerable stress. I emphasize that I never authorized this information 's association with my name, as I've been a victim of identity theft.

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 2024-07-01 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: NY

Complaint narrative:
I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. 

I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. 

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 2024-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
I'm writing regarding a collection entry on my credit report from your agency. This entry is concerning, as I wasn't previously notified about this collection and I question the debt 's validity. Under the Fair Debt Collection Practices Act, I'm entitled to request debt validation. I formally ask you to provide this validation and address this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Dear Consumer Finance, Navy Federal Credit Union has maliciously targeted my account, using their online banking system. I haven't had access to my account via website, for approximately XXXX hours. The company claims there aren't any ongoing issues. However, I've had to repeatedly make contact with the institution via phone, while visiting another country. Based on their malevolence, I have not been able to conduct buisness in the United States or overseas, unless XXXX speaks with an agent. Consequently, each time I've made contact with an agent, the wait times have exceed XXXX minutes. Ironically, the XXXX 's had common knowledge regarding my upcoming whereabouts and placed me under the impression, these acts are intentional. 

Furthermore, the institution has not been able to process my dispute for an unused, {$200.00} " E-Bay Gift '' XXXX. I do not want to do buisness with " XXXX '' now, or anytime in the future. If possible, would you please make contact with the institution to resolve the issue pertaining my {$200.00} gift card and, accumulation of fees/inconvenience while speaking to an agent from another country? 

Concerned XXXX Veteran, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/year> I sent a certified debt validation letter to XXXX with a return receipt and on XX/XX/year> I received a letter stating that XXXX did not have to validate the debt. Additionally, the letter that was provided had inconsistent information and dates.

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 2024-07-01 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: NY

Complaint narrative:
I am writing once again to express my confusion regarding your handling of the investigation into the fraudulent account on my credit report. 

I have submitted the necessary report to the Federal Trade Commission regarding this fraudulent account. Additionally, I have contacted the companies associated with this account directly, and they have confirmed the removal of the account. Therefore, I am perplexed as to why this account is still being reported by your bureau. Following this, both XXXX and XXXX have removed this account from their records. 
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 2024-07-01 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: NY

Complaint narrative:
I am writing once more to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the necessary documentation to the Federal Trade Commission ( FTC ) regarding these fraudulent accounts. Following this submission, XXXX and XXXX promptly removed these accounts from their records. I have also contacted the companies associated with these accounts directly, and they have confirmed the removal of the accounts from their records. Thus, I am perplexed as to why these accounts continue to be reported by your bureau. It is crucial to recognize that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only breaches this duty but also subjects me to further harm XXXX XXXX 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 2024-07-01 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: TX

Complaint narrative:
I'm filing this complaint for myself. My credit report shows late payments. I sent letters over a month ago but received no response, and they haven't provided adequate validation. I'm seeking your help to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later i have not recieved a repsonse yet. I feel like i'm being taken advantage of and being ignored of my disputes section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2024-07-01 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: TX

Complaint narrative:
XXXX XXXX XXXX My information was included in the XXXX XXXX XXXX. I was reviewing my report and noticed that I have inaccurate accounts reporting to my credit report. I have no knowledge of this account or why they are reporting to my credit profile. This is considered fraudulent. XXXX XXXX XXXX is tremendously hurting my credit report and needs to be deleted.

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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Experian for their failure to respond to a dispute letter I mailed on XX/XX/year>. In this letter, I requested an investigation into several inaccurate items listed on my credit report, as well as the correction of incorrect personal information. 
Despite the significance of these inaccuracies and the impact they have on my creditworthiness, I have not received any response from Experian regarding the investigation results. This lack of response is both frustrating and concerning, as it affects my ability to access credit and other financial services. 
Experians failure to respond within the 30-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ) is a clear violation of federal law. The FCRA requires credit reporting agencies to investigate disputes and provide the results of the investigation to the consumer within 30 days of receiving the dispute. 
I seek assurance that the disputed information on my credit report will be deleted and that my personal information will be updated accurately.

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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Regional Management Corporation
State: SC

Complaint narrative:
I tried reaching out and never got a answer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: NJ

Complaint narrative:
My account balance reports on the XXXX of every month and it never updated this month my account balance is showing {$300.00} as of XX/XX/year> it is now XX/XX/year> and my account balance has been {$0.00} since XX/XX/year> on XXXX and 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 2024-07-01 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: CA

Complaint narrative:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 


XXXX XX/XX/year>

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 2024-07-01 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 repeated efforts to correct false and misleading entries on my consumer report have been unsuccessful. These inaccuracies have severely disrupted my life and caused considerable distress. I emphasize that I never authorized this information, as I've been a victim of identity theft.

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 2024-07-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My repeated efforts to correct false and misleading entries on my consumer report have been unsuccessful. These inaccuracies have severely disrupted my life and caused considerable distress. I emphasize that I never authorized this information, as I've been a victim of identity theft.

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 2024-07-01 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: NY

Complaint narrative:
in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX Recovery Associates Account # XXXX Recovery Associates Account # XXXX Funding Account # XXXXXXXX XXXX 15 U.S.C 1681 Section 602 A. states I have the right to privacy . 
15 U.S.C Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the folloeining items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall 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 2024-07-01 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: NY

Complaint narrative:
in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 Section 602 A. states I have the right to privacy .

15 U.S.C Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the folloeining items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall 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 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 2024-07-01 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: NC

Complaint narrative:
I'm personally disputing late payments on my credit report. I discovered these entries upon reviewing my records. Despite sending inquiries over a month ago, I've received no response or proper validation. I'm requesting your help to resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: NY

Complaint narrative:
This account contains several inaccuracies that falsely manipulate the statute of limitations. Your failure to investigate this account properly has violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ). 
Specifically, you have violated 15 U.S. Code 1681c, which requires accurate reporting of information, and 15 U.S. Code 1681b ( c ), which governs the permissible purposes of consumer reports. 

I demand the deletion of the following account : XXXX  : xxxxxxxxxxxx 5689

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: KY

Complaint narrative:
This letter is to inform you that I recently received a copy of my report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act 15 U.S.C. 1681g I have the right to demand that you disclose to mee all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below in 30 days of receipt of this letter then you must remove these accounts from my credit report. I demand the following accounts be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : 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 2024-07-01 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: TX

Complaint narrative:
I'm personally filing this complaint about late payments on my credit report. Upon review, I discovered these entries. I sent letters over a month ago but received no response or adequate validation. I'm requesting your help to resolve this quickly.

Company response to consumer: Closed with non-monetary relief