vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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: NJ

Complaint narrative:
I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX member I was gone for couple months just got back and noticed some fraudulent activity/account on my report that according to the FCRA ( Fair Credit Reporting ACT ), 15 U.S.C 1681. legally these unverified & unauthorized items MUST be removed! Account name 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 2024-03-06 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Inaccurate reporting of information on consumer credit report. They sold the account and is still reporting on my account along with negative information. I should NOT have two of the same accounts reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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:
In XXXX of XXXX  I noticed that on my credit report for transunion it was showing my real estate mortgage account with XXXX  XXXX XXXX as closed. I informed the credit bureau that the account was open and current. I also asked XXXX XXXX XXXX to send in a correct report.When I made my request my credit score at transunion was XXXX. When XXXX XXXX XXXX turned in their info, my score dropped to XXXXWhen I inquired at the credit bureau as to why the score had dropped so low in just XXXX weeks. i was told that XXXX  XXXX XXXX had turned in the account as open and current. I was told that they had not however, turned in a payment history.I was told that the agency would request a payment history from XXXX  XXXX XXXX and that this would probably increase the score.I was also told that their was a Idifferent social security number on the account, other than mine. I was told that they would investigate and get back with me in a few days, but they did not. I was sent a copy of my credit report.That ia all that they have done.The supervisor that I talked to in XXXX was very rude and dismissive of my problem. He was male and I can't remember his name. I talked to a very polite lady a few weeks later and she said she would look into the situation and call me back. But she did not. My credit advisor, ,scoresense, told me that when there is a XXXX XXXX point difference in one credit reporting agency to another, there is something drastically wrong and a mistake has taken place. I put my credit reports side to side in XX/XX/2024, and they bascically have the same identical information.my XXXX score is XXXX. My Experian score is XXXX.My transunion sore dropped XXXX more points in XXXX month, although they have the same basic info as the other XXXXcredit bureaus.XXXX unesplicably has dropped my score to XXXX. There is now a XXXX point difference in the transunion score as opposed to the other XXXX bureaus. T is something terribly wrong and they are not trying to fix it. Please investigate this egregious erro0r by transunion. It is having a devastating effect on my ability to obtain credit

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 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally notifying your company that if the appropriate steps to rectify this situation are not completed within 10 days, I will be filing a complaint with the FTC.You are required by law to respond within 15 days. By not doing so, you are now in violation. Non-compliance can result in fines up to {$1000.00}. 
I do not wish to file a complaint, but I will do what is necessary for maximum compliance. 
Please provide the detailed procedures for obtaining investigation results for XXXX XXXX XXXX within 10 days to avoid further action.

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 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally notifying your company that if the appropriate steps to rectify this situation are not completed within 10 days, I will be filing a complaint with the FTC.You are required by law to respond within 15 days. By not doing so, you are now in violation. Non-compliance can result in fines up to {$1000.00}. 
I do not wish to file a complaint, but I will do what is necessary for maximum compliance. 
Please provide the detailed procedures for obtaining investigation results for XXXX XXXX XXXX within 10 days to avoid further action.

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 2024-03-06 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 disappointment and frustration regarding the second attempt to remove the fraudulent items from my account. As you are aware, I previously lodged a complaint regarding unauthorized charges on my account, and despite assurances that the issue would be promptly resolved, the problem persists. 

I formally brought to your attention the unauthorized transactions that appeared on my account statement. Despite the initial assurances of resolution, the fraudulent items were not adequately addressed, and they continue to appear on subsequent statements. 

I understand that resolving such matters can be complex, but I am deeply dissatisfied with the lack of progress and the inconvenience this situation has caused me. Not only have I had to spend valuable time contacting your company to rectify this issue, but I have also incurred financial losses as a result of these unauthorized charges. 

I urge you to take immediate action to thoroughly investigate and resolve this matter. I expect a full refund of the fraudulent charges and a comprehensive review of your security protocols to prevent such occurrences in the future. Additionally, I request compensation for the time and inconvenience I have experienced due to this ongoing issue. 

Please provide me with a detailed plan of action and a timeline for resolution. I expect a prompt response to this complaint and assurance that appropriate measures are being taken to address the underlying issues causing these unauthorized transactions. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally notifying your company that if the appropriate steps to rectify this situation are not completed within 10 days, I will be filing a complaint with the FTC. You are required by law to respond within 15 days. By not doing so, you are now in violation. Non-compliance can result in fines of up to {$1000.00}. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. 
I do not wish to file a complaint, but I will do what is necessary for maximum compliance. 
Please provide the detailed procedures for obtaining investigation results for XXXX XXXX XXXX within 10 days to avoid further action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm concerned about your failure to comply with the Fair Credit Reporting Act. While other bureaus have removed fraudulent accounts upon my request, Equifax has not. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. This impacts my credit and raises compliance questions. 
Please remove XXXX XXXX XXXX XXXX from my file immediately. XXXX and XXXX have already done so due to errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Investigate and promptly remove the inaccuracies in my credit report, as outlined in my previous complaint and FTC report. Failure to comply with legal requirements will result in legal action against your bureau, as the other credit bureaus have already ceased reporting these inaccuracies. I demand immediate resolution and written confirmation of the corrective actions taken. XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and 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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FactorTrust, Inc.
State: VA

Complaint narrative:
I am writing to dispute certain inaccuracies present in my credit report. Specifically concerning incorrect personal information. Upon reviewing my credit report I have identified discrepancies that violate my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. They have refused to remove all inaccurate personal information like misspellings of my name and wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
Inaccurate reporting of information on consumer credit report. They sold the account and is still reporting on my account along with negative information. I should NOT have two of the same accounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear Sir/Madam : I have tried at least XXXX times to get my Equifax credit report and was unable to get it online or by XXXX mail XXXX I then used an online free credit reports site which got me the XXXX and XXXX XXXX XXXX immediately. They reported my credit as excellent. They could not get the Equifax credit report.. Just as I was unable to get it. I wanted the Equifax report since my XXXX XXXX credit card company mentioned that there was an outstanding car loan issue on their Equifax report. I have not had a car loan in XXXX years. I can not remember ever taking out a car loan. I paid cash for my current car in XXXX. I then again got back to Equifax directly and they again sent me ( by XXXX mail ) a 10 digit code to enter at their site. I did it multiple times and their site would not accept the code. I was instructed to call 'customer support '. They told me the site was down. They again sent me another code by XXXX mail.. That did not work either.. I called them again. They said they could not help me since I did not have a cell phone to receive a text message to verify it was me.. It is a dead end. I can not get a credit report from Equifax. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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:
I am writing to express my disappointment and frustration regarding the second attempt to remove the fraudulent items from my account. As you are aware, I previously lodged a complaint regarding unauthorized charges on my account, and despite assurances that the issue would be promptly resolved, the problem persists. 

I formally brought to your attention the unauthorized transactions that appeared on my account statement. Despite the initial assurances of resolution, the fraudulent items were not adequately addressed, and they continue to appear on subsequent statements. 

I understand that resolving such matters can be complex, but I am deeply dissatisfied with the lack of progress and the inconvenience this situation has caused me. Not only have I had to spend valuable time contacting your company to rectify this issue, but I have also incurred financial losses as a result of these unauthorized charges. 

I urge you to take immediate action to thoroughly investigate and resolve this matter. I expect a full refund of the fraudulent charges and a comprehensive review of your security protocols to prevent such occurrences in the future. Additionally, I request compensation for the time and inconvenience I have experienced due to this ongoing issue. 

Please provide me with a detailed plan of action and a timeline for resolution. I expect a prompt response to this complaint and assurance that appropriate measures are being taken to address the underlying issues causing these unauthorized transactions. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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 writing to express my disappointment and frustration regarding the second attempt to remove the fraudulent items from my account. As you are aware, I previously lodged a complaint regarding unauthorized charges on my account, and despite assurances that the issue would be promptly resolved, the problem persists. 

I formally brought to your attention the unauthorized transactions that appeared on my account statement. Despite the initial assurances of resolution, the fraudulent items were not adequately addressed, and they continue to appear on subsequent statements. 

I understand that resolving such matters can be complex, but I am deeply dissatisfied with the lack of progress and the inconvenience this situation has caused me. Not only have I had to spend valuable time contacting your company to rectify this issue, but I have also incurred financial losses as a result of these unauthorized charges. 

I urge you to take immediate action to thoroughly investigate and resolve this matter. I expect a full refund of the fraudulent charges and a comprehensive review of your security protocols to prevent such occurrences in the future. Additionally, I request compensation for the time and inconvenience I have experienced due to this ongoing issue. 

Please provide me with a detailed plan of action and a timeline for resolution. I expect a prompt response to this complaint and assurance that appropriate measures are being taken to address the underlying issues causing these unauthorized transactions. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: CA

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 corrected : XXXX XXXX XXXX Balance Owed : {$9700.00} ; XXXX XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX Balance Owed : {$9900.00} ; XXXX XXXX XXXX XXXX XXXX : {$96.00} ;

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 2024-03-06 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: CA

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 corrected : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
It's my understanding that FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed inaccuracies in some of the listed accounts, and it's causing me some unease.

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 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I believe FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you please examine the documents? Several of the listed accounts appear to be incorrect, and it's making me feel uneasy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I demand the immediate removal of fraudulent accounts from my credit report. The associated banks confirmed identity theft and assured removal. Compliance with the law mandates their removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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