vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I NEED THIS ACCOUNT REMOVED FROM MY CREDIT REPORT DUE TO FRAUDULENT ACTIVITY

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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I NEED THIS ACCOUNT REMOVED FROM MY CREDIT REPORT DUE TO FRAUDULENT ACTIVITY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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: NM

Complaint narrative:
Basically, my XXXX credit reports have CHARGE-OFF descriptions listed on XXXX accounts that went DEROGATORY during a period of time in 2020 when i had Covid-19. During this time, I suffered a lack of income during my time of recovery. Recently I requested the XXXX creditors to remove the CHARGE-OFF description from my XXXX credit reports ( Experian, XXXX, and XXXX ) XXXX I have recovered economically so I was able to payoff the balances due to XXXX XXXX XXXX and XXXX XXXX 

I am requesting the CFPB 's assistance in deleting the CHARGE-OFF descriptions from the XXXX major credit consumer reporting agencies. I have sent them Certified Letters addressing this issue but to no avial!

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 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX, XXXX  I sent a letter to Equifax requesting verifiable proof that the information on the following accounts pertains to me. 

XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

While Equifax did investigate some of the accounts they did not investigate them all. I have a recorded conversation with an Equifax customer service agent on XX/XX/2023 Equifax did not investigate XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX  XXXX. Instead the investigated XXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts I didn't ask for them to look into. The Agent advised that he didn't know why they didn't investigate XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX, XXXX  He also advised that he could not stop the investigation into XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

I also never received correspondence from Equifax advising of the completion of their investigation. 

the following account need to be removed from my credit report immediately, these accounts weren't investigated by Equifax. according to the Fair Credit Reporting act Equifax had 30 days to investigate these accounts and refused to do so : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I also was not sent a copy of the dispute results from Equifax I have waited what amounts to 4 weeks for those results I do not ant a reinvestigation of any of the before mentioned accounts I want full deletion of all accounts in the attached letter dated XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX all other accounts in the investigation request should be deleted as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT 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 non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Options Equifax Inc. 
XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : Recently I received a copy of my credit report which show inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent. 

XXXX XXXX XXXX ( auto ) XXXX XXXX XXXX XXXX XXXX ( auto ) XXXX XXXX -XXXX  XXXX ( bank ). XXXX XXXX XXXX XXXX ( finance ). XXXX XXXX -XXXX XXXX ( finance ) XXXX XXXX -XXXX XXXX XXXX finance ). XXXX XXXX -XXXX  XXXX ( finance ). XXXX XXXX -XXXX ( bank XXXX. XXXX XXXX XXXX ( bank XXXX. XXXX XXXX Also be advised the Fair Credit Reporting Act states that any information that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries. 

If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter, I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. 

I have sent this letter because I need your prompt response to this issue, and I need written correspondence as evidence your company is acting upon my request. If you find that I am remiss and you do have my authorization to inquire into my credit report, and then please send me proof otherwise. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Experian is reporting inaccurate and nonfactual data /information on Accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. They are reporting inaccurate Past due amounts, a false Balances which has increased even though accounts are closed, and amount is paid in full. Experian is also reporting accounts open when in fact they are closed these are all are negligent and inaccurate reporting and nonfactual. reporting Inaccurate information and nonfactual information is not in compliance with the FCRA. Should Experian continue in non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with Experian for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Experian 's non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt which has been paid against me and your implied agreement to compensate me for court costs and attorney fees. Additionally, any reporting of this debt to the credit bureaus without validation and continued reporting of inaccurate information it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. Because you are in violation, this account must be removed and deleted 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 2023-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I was reported 30 days late in XX/XX/2023 and this is not accurate. I paid my account twice to make sure I wasn't late. Please help me remove this. I have been a great client and no way I could be late. This must be a bank error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diverse Funding Associates LLC
State: MI

Complaint narrative:
Upon review of my recent credit report, I noticed a negative collections account reported by DNF Associates that I have no knowledge of. I have never received any correspondence via mail, phone or email to dispute any collection accounts. To resolve this matter, I sent a dispute letter to DNF Associates on XX/XX/2023, and over 30 days has passed with no response.By not replying in a timely manner to my initial letter on XX/XX/2023 DNF Associates have not only violated federal law, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. DNF Associates have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts. I would like this negative item removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Hello, I was notified yesterday XXXX XXXX  ) via email to verify my personal email address for an account and notifying me that I had been enrolled in mobile and online banking from the Bank of America. 

I had not requested to open any account and when I called Bank of America to verify they could not verify where I had opened an account with them or not. 

I am worried my SSN is floating around now and being used to open other accounts or for fraudulent use. 

Thank you.

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 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing this statement to address the incident of identity theft that I have recently experienced. My personal information, including my Social Security number and banking information, has been compromised without my knowledge or consent. I am deeply concerned about the potential consequences of this breach, including the risk of financial loss and damage to my credit score.

I have taken immediate steps to mitigate the damage caused by this incident. I have contacted my financial institutions and placed a freeze on my accounts to prevent any further unauthorized activity. I have also filed a police report and contacted the credit bureaus to place a fraud alert on my credit reports.

Going forward, I am committed to being vigilant about protecting my personal information. I will be monitoring my accounts closely for any signs of unauthorized activity, and I will be exercising caution when sharing information online or over the phone. 

I sincerely hope that the individuals responsible for this theft will be brought to justice, and I urge anyone who has experienced a similar incident to take immediate action to protect themselves from further harm. 

I hope this helps! Let me know if you need anything else.

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 2023-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
my car has been repo 2 days ago due to non payment in 8 months but from my understanding was that repo comes after your car within 2-3 months i have checked my wells Fargo account and the money has been withdrawn monthly from my account but the finance company for my vehicle is XXXX XXXX XXXX states they have not received payment in 8 months. the money is not in my account. the money was not received towards the car payment. where is my money

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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Consumer Opt-Out XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern : Recently I received a copy of my credit report which show inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent. 

XXXX XXXX XXXX ( auto ) XXXX XXXX XXXX XXXX XXXX ( auto ) XXXX XXXX -XXXX  XXXX ( bank ). XXXX XXXX XXXX XXXX ( finance ). XXXX XXXX -XXXX  XXXX ( finance ) XXXX XXXX -XXXX XXXX  XXXX finance ). XXXX XXXX -XXXX XXXXXXXX ( finance ). XXXX XXXX -XXXX  ( bank XXXX. XXXX XXXX -XXXX ( bank XXXX. XXXX XXXX Also be advised the Fair Credit Reporting Act states that any information that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries. 

If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter, I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. 

I have sent this letter because I need your prompt response to this issue, and I need written correspondence as evidence your company is acting upon my request. If you find that I am remiss and you do have my authorization to inquire into my credit report, and then please send me proof otherwise. 

Sincerely, 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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted 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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
ive contacted the following companies ' Experian, XXXX, and XXXX, about my credit profile having wrong names listed as well as the wrong address on file.to no avial i have yet to get any help updating these issues. also to alert companies about fraudulent activites.

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 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I never been late with this account I working so hard to pay this monthly and this is not acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
After reviewing my credit report I noticed a discrepancy with account listed under NATIONAL CREDIT SYSTEMS- XXXX and validation was requested SEVERAL times about this account which I do not recognize. Validation letters were sent out on XX/XX/2023 I also disputed this account with the credit bureaus and no proof that this debt belongs to me has been provided. This account continues to negatively affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
There are serveral accounts and inquires that I didnt initate. One of being XXXX XXXXXXXX XXXX XXXX this debt is NOT MINE I have never had a bill like that and have not paid it. The account XXXX XXXX XXXX XXXXXXXX is indeed a fraudulent collection account. The following are inquires for credit that I didnt apply. 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 XXXXXXXX XXXX XXXX XXXX. All Of the accounts, inquires listed above are not mine and I DID NOT APPLY FOR CREDIT ETC. AT ANY OF THESE ESTABLISHMENTS.

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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
On XX/XX/XXXX I submitted a personal loan request through XXXX XXXX XXXX XXXX ( XXXX ). Undenounced to me, I had already met the unknown and unpublished loan threshold at XXXX XXXX XXXX XXXX and was later denied credit. Had I known or had any transparency from XXXX I wouldve never requested a personal loan. Also, I never approved a hard credit pull but instead was requesting information. Please remove this hard credit pull for a personal loan. I'm willing to bring in legal counsel to aid in this resolution if necessary. 

Remove hard credit pull from all three credit bureaus.

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