vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 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: IL

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 and 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 non-monetary relief
Consumer complaint received 2024-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I CAN NOT ACCES MY FREE TRANSUNION CREDIT REPORT, I AM RECEIVING AN ERROR MESSAGE FOR EVERYTIME THAT I REQUEST MY CREDIT REPORT. I AM ALSO RECEIVING THIS ERROR MESSAGE WHEN I REQUEST TO MAKE AN DISPUTE. PLEASE HELP FIX THIS MATTER AS SOON AS POSSIBLE. ATTACHED WILL BE A COPY OF WHAT THIS ERROR MESSAGE LOOKS LIKE.

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 2024-03-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom this may concern, After checking my credit reports I have found some false inquiries listed on my most recently reviewed consumer reports, there are unverified inquiries that does not have accounts attached. Also, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
Inquiries Listed Below : XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX, Inquiry : XX/XX/XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX, Inquiry : XX/XX/XXXX XXXX  XXXX, Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX, Inquiry : XX/XX/XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I want to be explicitly clear with my request. I am not requesting validation of debt, but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. 
Starting 30 days from the date on this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

Warm Regards, XXXX XXXX Without Prejudice, all natural inalienable rights reserved.

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 2024-03-25 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: CA

Complaint narrative:
I am formally contest and seek correction of inaccurate information listed on my credit report. After a careful review, I have identified inconsistencies regarding the reporting of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The mentioned accounts currently display late payment dates and negative status on my credit report, which is erroneous. After contacting the respective creditors, they confirmed that these inaccuracies stemmed from internal errors on their part. Consequently, they have agreed to rectify the situation by removing the negative information associated with these accounts. 

I kindly request that you investigate and update my credit report accordingly. The accurate information for these accounts should reflect a positive status with no late payments. Furthermore, I ask that the corrected details be promptly communicated to all parties that have recently requested 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 2024-03-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2024-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This is regarding the collection company Midland Credit Management - XXXX XXXX XXXX XXXX XXXX XXXX, California XXXXXXXX XXXX ID : XXXX I would like to express my absolute perplex with the treatment I received on XX/XX/year> by an associate over the phone. I called in good faith regarding my collection account with XXXX XXXX XXXX, to explain my current situation and hardship that led me to the financial hardship I've been experiencing mainly since last year. This was due to both my XXXX mother and my son having XXXX. My son almost XXXX XXXX XXXXXXXX XXXX. I should not have disclosed my issues, however, I did so the agent could understand my motives for ending up in the collection, and the reasons why my situation worsened. Before I could even start my conversation, in which I intended to get assistance to make the payments on that account, the agent was extremely aggressive, threatening, and anti-professional. Unfortunately, I have dealt with collection and debt arrangements, but this was the worst experience I've ever had with a company, and very frightening. 
I have to share this because even though this happened, I still arranged to make payments online, however, due to the unprofessionalism of the agent ( unfortunately I did not record his name, but I'm sure you have the calls recorded ), I feel that this needs to be reported. After a long time with him on the phone in which I expressed my frustration with his behavior, I ended up hanging up because he kept threatening and ignoring any explanation I was given, even without needing to. 
This behavior is unacceptable, even from a collection agency. I felt disrespected as a consumer and as a human being. I felt hassled and mistreated. 
I hope the company can address this serious issue with the associate, so that it doesn't happen to other customers. 
This is the first time I have had to escalate this type of issue, and I hope this will be addressed. No one in a collection situation feels comfortable, and having an associate being so disrespectful only makes the situation beyond worse. I am a XXXX woman and mother. I should not have been treated that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: VA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : 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 2024-03-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Credit Card XX/XX/year> - I did not approve this inquiry. I never recieved the card. 

XXXX XXXX XXXXXX/XX/year> - I did not approve this inquiry and the XXXX sales person submitted it without my consent.

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 2024-03-25 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX Sincerely 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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Whom

It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There
is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, XXXX Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Dispute and Request for Deletion of Illegal reporting of Canceled Debt ACCOUNTS : I am writing to express my concerns that your company is violating my consumer rights by still reporting a charge off account that has been canceled to my credit profile. Per the IRS, once the account has reached a charge off status, and the lender has filed it on their taxes as discharged debt, the debt is now considered canceled or forgiven. This is now taxable income and income can not be reported to a consumers report as debt. There is a 1099-C form issued and this now income being filed on my taxes. Reporting inaccurate information to my credit report is in violation of 15 USC 1681E ( B ). If this is not resolved in a timely manner, I am forced to seek legal action against your company for violating my consumer rights.

Again, this discharged debt is now considered taxable income and should no longer be reflected as an outstanding obligation on my credit report. Your company reporting inaccurate information is severely impacting my ability to obtain credit. 

Please delete and update my credit profile with the correct information in regards to the mentioned accounts. 


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 2024-03-25 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: NJ

Complaint narrative:
I am writing to you to express my deep concern regarding an alleged fraudulent XXXX account that has been erroneously reported on my credit report by Transunion. This account is adversely affecting my creditworthiness and has significant repercussions on my financial standing. 

Despite my repeated requests, Transunion has failed to provide sufficient evidence to validate the existence of this alleged account. I have requested Transunion to furnish any agreements, signed contracts, bills, or other documentation about this account, to this date I have yet to receive any documents. It is essential to note that I have no knowledge or affiliation with the reported XXXX account. 

Transunion 's assertion that this account is accurate is categorically untrue and unsubstantiated. Without any documentation verifying this account 's legitimacy, Transunion must take immediate action to remove and delete this erroneous entry from my credit report. 

The inaccurate reporting of this alleged fraudulent account by Transunion has had severe repercussions on my financial well-being, impacting my ability to secure loans, obtain favorable interest rates, and even pursue certain employment opportunities. It is unjust and unwarranted for Transunion to perpetuate such damaging inaccuracies without providing any concrete evidence to support their claims. 

Therefore, I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Transunion adheres to the Fair Credit Reporting Act. I urge you to compel Transunion to promptly remove and delete the erroneous XXXX account from my credit report, thereby restoring the accuracy and integrity of my credit profile. 

I appreciate your attention and look forward to a swift resolution. Please do not hesitate to contact me if any further information is required.

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 2024-03-25 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: VA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!

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