vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 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:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

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 2024-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
On XXXX  XX/XX/year> on XXXX, while traveling for work in XXXX XXXX I received a text message that some transaction was complete. It was a unknown individual I believe who hacked into my XXXX  account and transferred themselves {$2000.00} XXXX. At no point did I know the person whom did this unauthorized transaction. The name of the recipient on the account is XXXX XXXX. I do not know this individual whatsoever. The transaction recipient tag was XXXX. 

While in XXXX I did not make a single purchase of anything. I did not use Zelle at all. Or even my own banking, debit, or credit card either. I also did not visit any website or make a single a purchase. The hotel I was staying in was called, The XXXX XXXX. I stayed from XXXX XXXX. 

I have contacted both XXXX XXXX  and Zelle themselves. I have put in a claim for fraud ( XXXX both XXXX and Zelle XXXX in their there investigations they determined that they would not be able to assist me/help me. Reason being because it was sent from my phone. Which I did not do whatsoever. I am struggling to resolve this issue with both XXXX and Zelle. I would recommend that no person use Zelle through their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: IL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: TX

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 non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
10 years ago, I did bankruptcy and of course my credit score went down XXXX points. Over those 10 years I work hard to get back on my feet. A week ago my credit score went up XXXX points and, I checked my Experian account, and I saw that my Bankruptcy is not any more on my credit report. Now, of course I am very disappointed about this. I don't know who can help me to fix this. It is so unfair!!!!! After those 10 years of struggling about this credit score I am getting XXXX points. Also I had my student loan for more than 10 years, and that one went away and I received XXXX points. Where can I find a solution to solve these issues??

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 2024-10-14 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: TX

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 2024-10-14 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: FL

Complaint narrative:
I am filing this complaint due to the failure of [ Experian, XXXX, or XXXX ] to accurately investigate and correct erroneous information on my credit report, despite multiple dispute attempts, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : On XX/XX/XXXX, I noticed a significant inaccuracy on my credit report. Specifically, an account listed under the creditor is inaccurately reported as delinquent, unpaid, or otherwise incorrect. This account is either completely unrecognized or inaccurately portrayed in terms of payment history, balance, or status. 

Actions Taken : I formally disputed this inaccurate information with Experian, XXXX, and XXXX on, providing supporting documentation to prove that this account either does not belong to me or contains errors that are materially affecting my credit standing. Despite this, Experian, XXXX, or XXXX failed to properly investigate, verify, or remove the inaccurate information within the legally required 30-day period stipulated by the FCRA. Instead, they either provided an inadequate or automated response or reinserted the erroneous information without adequate verification.

FCRA Violations : Under the FCRA ( Section 611 ), credit reporting agencies are required to conduct a thorough investigation and remove or correct any information that can not be verified within 30 days. Experian, XXXX, and XXXX has failed to comply with this federal requirement. Furthermore, they failed to provide documentation verifying the accuracy of the disputed information or a reasonable explanation for its continued presence on my report.

Impact on My Financial Standing : The continued reporting of this inaccurate information has severely and unjustly impacted my credit score, resulting in significant financial harm. This has negatively affected my ability to secure favorable loan terms, housing, and other financial opportunities. 

Desired Resolution : I am requesting the immediate deletion of the inaccurate account information from my credit report and a full investigation to ensure all reported data is accurate and compliant with federal law. Additionally, I am seeking written confirmation that the erroneous information has been permanently removed and will not be reinserted without proper verification.

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 2024-10-14 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: NC

Complaint narrative:
I just recently looked at my credit report on XX/XX/2024. I discovered some hard inquiries that did not have permissible purposes, which is a violation 15 USC 1681b. 

XXXX XXXX XXXX ( XX/XX/2024 ) This inquiry has no permissible purpose to be on my report. I did not authorize this inquiry. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX ( XX/XX/2024 ) This inquiry has no permissible purpose to be on my report. I did not authorize this inquiry. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX ( XX/XX/2024 ) This inquiry has no permissible purpose to be on my report. I did not authorize this inquiry. Delete this inquiry due to violation of 15 USC 1681b. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2024 ) This inquiry has no permissible purpose to be on my report. I did not authorize this inquiry. Delete this inquiry due to violation of 15 USC 1681b.

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 2024-10-14 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-14 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: LA

Complaint narrative:
I am filing this complaint against Experian for failing to properly verify a debt that they reported on my credit file, despite my repeated disputes, and for sending me a credit report containing another persons information, which clearly shows they have linked my identity to someone elses debt. 

Details of the Complaint : Experian failed to properly verify a debt linked to XXXX XXXX XXXX in connection with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is inaccurately reported as {$1100.00}. I have disputed this debt multiple times and continue to state that it is not mine. 

- Incorrectly Provided a Report with Another Persons Information : When I received a credit report from Experian on XX/XX/year> during my most recent dispute, it contained personal details that belong to a completely different individual. This includes : 1. An incorrect address 2. A different phone number 3. Debt and credit card history that does not belong to me This error clearly shows that Experian has linked my personal credit profile to another individual with a similar name, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

- Experians Failure to Investigate : I believe Experian has failed to conduct a proper investigation into my disputes and did not demand sufficient proof from the creditor to confirm the accuracy of this debt. Instead, they confirmed the debt, even though theyve clearly mixed my information with another persons, further proving that the debt is not mine. 

- My Rights Under FCRA Violated : Experian is required to ensure all reported information is accurate, yet their inclusion of another persons information on my credit report is a gross violation of my rights under the FCRA. This error has caused significant distress and financial harm, as it affects my credit score and my ability to secure financial products.

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 2024-10-14 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 2024-10-14 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: MD

Complaint narrative:
The XXXX credit card company placed a late payment on my XXXX XXXX, XXXX and Equifax report. Which has my credit being reported as 30 days late. This company removed the late payment but still reported the card as being late, which is in violation of the Fair Credit Reporting Act. I'm requesting that this item be removed and deleted from my current credit report. As stated by one of their representatives " that the account is in good standing, and it should not have been reported in that manner or time ''. I'm requesting a voice recording of that conversation. It will clear my name and correct the status of which this company is reporting. That has destroyed and damaged my credit status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: MD

Complaint narrative:
The XXXX credit card company placed a late payment on my XXXX XXXX, Experian and XXXX report. Which has my credit being reported as 30 days late. This company removed the late payment but still reported the card as being late, which is in violation of the Fair Credit Reporting Act. I'm requesting that this item be removed and deleted from my current credit report. As stated by one of their representatives " that the account is in good standing, and it should not have been reported in that manner or time ''. I'm requesting a voice recording of that conversation. It will clear my name and correct the status of which this company is reporting. That has destroyed and damaged my credit status.

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 2024-10-14 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-14 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 2024-10-14 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: GA

Complaint narrative:
I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them

Company response to consumer: Closed with non-monetary relief