vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 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: CA

Complaint narrative:
I found numerous inaccuracies on my credit report, which are in violation of the Fair Credit Reporting Act ( FCRA ). Section 623 of the FCRA and Regulation V states that inaccurate or incomplete information must be investigated and fixed if found by the consumer. I have requested for validation of said accounts, yet have not received any evidence or seen any changes to rectify these errors. Under the FCRA, consumers have the right to request validation of debts and have inaccuracies promptly corrected. Hence my complaint here to address these violations and request a thorough investigation into the matter. Having such derogatory items on my credit report has been nothing but a burden for me, impacting my financial well-being and opportunities.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I found numerous inaccuracies on my credit report, which are in violation of the Fair Credit Reporting Act ( FCRA ). Section 623 of the FCRA and Regulation V states that inaccurate or incomplete information must be investigated and fixed if found by the consumer. I have requested for validation of said accounts, yet have not received any evidence or seen any changes to rectify these errors. Under the FCRA, consumers have the right to request validation of debts and have inaccuracies promptly corrected. Hence my complaint here to address these violations and request a thorough investigation into the matter. Having such derogatory items on my credit report has been nothing but a burden for me, impacting my financial well-being and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my credit report on XX/XX/2024 and noticed Experian is reporting outdated address- My Legal Name is XXXX XXXX XXXX ( XXXX XXXX XXXX Name ) -other variations are incorrect. 

My current address is XXXX XXXX  XXXX XXXX, XXXX TX XXXX-address should reflect XXXX-when I moved into my home ; XXXX shows XXXX-inaccurate ; XXXXinaccurate city and date -- ( XX/XX/2024 ) Experian is the only CRA reporting old addresses- ( some over 20 years old ) -

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 2024-03-19 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: NY

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 2024-03-19 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 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 2024-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: SC

Complaint narrative:
I am writing to file a formal complaint against Synergetic Communications regarding their unfair reporting practices to the credit bureaus, specifically concerning a debt that was previously in dispute with XXXX XXXX XXXX. 

In XX/XX/XXXX, I received communication from XXXX XXXX XXXX  regarding a debt purportedly from XXXX, which I had no record of. Given that the statute of limitations on legal action for collection had already expired, I found it concerning to receive such communication for the first time without any prior notice of the debt over 3 years. Over the following six months, I diligently disputed the debt with XXXX XXXX XXXX, requesting proof of the debt as per my rights under the Fair Debt Collection Practices Act. Despite my repeated requests, XXXX XXXX XXXX failed to provide any evidence substantiating the existence of the debt. 

Finally, in XX/XX/XXXX, XXXX, one of the major credit bureaus, removed the disputed debt from my credit file after recognizing the lack of evidence provided by XXXX XXXX XXXX. However, to my dismay, in XXXX of XXXX, I received notice that Synergetic Communications had reported the same debt to the credit bureaus without any prior communication or affording me the opportunity to dispute the debt with them directly. 

This blatant disregard for due process and failure to adhere to fair reporting practices by Synergetic Communications is deeply concerning. Their actions not only undermine consumer rights but also perpetuate a cycle of financial distress and unjust damage to credit scores. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Synergetic Communications for their deceptive and unfair reporting practices. Consumers deserve transparency and accountability from companies entrusted with handling sensitive financial information. 

Thank you for your attention to this matter. I look forward to a swift resolution and your assistance in rectifying this unjust situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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:
I am writing to express my dissatisfaction with many attempts to correct the late open accounts associated with my account. As a valued customer, I expect timely and efficient resolution of any issues, especially those concerning financial matters. 

While I appreciate the efforts made by your team to rectify the situation, the fact that a many attempts were necessary raises concerns regarding the effectiveness of your internal processes and systems. It is imperative that such errors are not only corrected promptly but also prevented from recurring in the future. 

I urge you to conduct a thorough review of your procedures to identify the root cause of these discrepancies and implement appropriate measures to prevent similar occurrences. Additionally, I request compensation for the inconvenience and any adverse effects this situation may have had on my account. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX  Balance Owed : {$4300.00} ; XXXX XXXX Balance Owed : {$530.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
Theres a lot that I need to go through that accounts were created and opened with my info and now Ive tried to dispute them many times and getting nowhere no actions taken from the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-03-19 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: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX XXXX XXXX : {$370000.00} XXXX XXXX  XXXX XXXX XXXX : {$370000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$370000.00}

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 2024-03-19 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: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX XXXX XXXX : {$370000.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$370000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$370000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Couple issues I have alot of different reports for credit cards I did not open. XXXX most recently is XXXX which I did not do. Also my name only has ever been XXXX XXXX XXXX ( XXXX name ) born and raised XXXX XXXX XXXX then XXXX XXXX XXXX until I met my now husband which I moved from XXXX XXXX XXXX XXXX PA to XXXX XXXX  XXXX XXXX XXXX PA in XX/XX/XXXX and got married XX/XX/XXXX. My name since XX/XX/XXXX when everyone was LEGALLY CHANGED is XXXX XXXX XXXX. I wasnt able to get XXXX because of all this and whoever is using XXXX XXXX is not me. My birthday is XX/XX/XXXX last XXXX ( XXXX ) I have paid my XXXX XXXX off and have been really watching my credit and I dont know whats going on but it needs fixed. I would appreciate it. Thank u 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
Consumer complaint received 2024-03-19 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
XXXX XXXX bed purchased in XXXX of 2021. Signed up for automatic payments to pay off the balance in the promotional period. When setting up the autopay they misleadingly set up the payment to be slightly less than what should have been paid to cover entire balance in 2 years. It was set at {$150.00} ( and later decreased but I hadnt realized it ) and should have been set at {$180.00}. Because as with any other account I have opened where you pay off the balance in a set term I set it and forgot it. I made XXXX late payments and fulfilled everything that is in the spirit of paying off the debt with their promotional period. Needless to say this predatory company charged me less and less each month without me knowing unless I kept a super close watch on my accounts ( during a pandemic where everyone was just trying to survive ). They purposefully mislead customers into thinking that they are signing up to pay it off interest free and then collect as much interest as possible. Yes I should have calculated myself instead of believing that the company split the payments into equal parts and wouldnt lower the payment as I went along. Yes I should have been more meticulous with my payment statements and realizing their set amount would never pay off the balance within the term. This is completely predatory and misleading.

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 2024-03-19 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: NC

Complaint narrative:
Hard inquiries debt collection XXXX XXXX etc

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 2024-03-19 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: NC

Complaint narrative:
Hard inquiries debt collection XXXX XXXX etc

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my profound disappointment and frustration regarding the second attempt to remove the fraudulent items from my account. As a loyal customer, I expect a swift and thorough resolution to any issues pertaining to fraudulent activity on my account. 

It is deeply concerning that despite your assurances, the fraudulent items have not been effectively removed from my account. This not only reflects poorly on your company 's ability to safeguard its customers ' accounts but also exposes me to continued risk and inconvenience. 

I insist that immediate action be taken to rectify this situation, including conducting a comprehensive investigation into how these fraudulent items were allowed to persist despite previous attempts to address them. Furthermore, I request that appropriate measures be implemented to prevent similar occurrences in the future. 

I urge you to prioritize this matter and provide me with a swift and satisfactory resolution. Failure to do so will leave me with no choice but to escalate this complaint to the relevant authorities and seek further recourse. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX Balance XXXX : {$0.00} 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief