vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report 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 2024-11-13 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: FL

Complaint narrative:
I have notified your office multiple times about inaccurate accounts in pending litigation on my credit report, but I am still waiting for 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 2024-11-13 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: NC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-11-13 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: MO

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-11-13 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: MO

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I disputed my XXXX debt with Equifax and it shows that the complaint is closed but I can not see their resolution. It does not appear that they did any research into the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I received a late fee after making a payment after XXXX on the payment date. I contacted XXXX Comenity, and they confirmed that they would remove the late fee as a XXXX time courtesy. They only removed {$XXXX} of the {$XXXX} late fee, so I responded to ask for the full returned late fee. I was told that I could only be given a late fee refund every XXXX months, though this was not a separate incidence. When I asked about this, I was told " Please be informed that the CFPB recently announced new rules for late fees. As of this time, your late fee is accurate and we are able to credit only the partial late fee. '' I asked for more information about this ruling, because I could not find any relevant information in my searches, and I was told " I can understand why you mentioned the new CFPB rule, but it has't gone into effect yet. '' I called into the customer service line and confirmed with an agent that the incomplete late fee refund was a mistake, but there was nothing that could be done to remedy the issue, as late fees could only be refunded every XXXX months. I asked XXXX to cancel my XXXX card and email me with confirmation of reason ( agent mistake ) and that the card was cancelled. The agent confirmed my email address, but I did not receive an email. I am still being charged for the late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Portfolio Recovery : # XXXX, XXXX XXXX XXXX : # XXXX and # 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, # 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 has violated my rights. 

I looked at my Equifax credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Independence Capital Recovery, LLC
State: CA

Complaint narrative:
Independence Capital Recovery They called and texted relatives and acquaintances several times for the last few months include most recently XX/XX/XXXX - called bro in law- XXXX calls and texts XX/XX/XXXX - called sister - XXXX calls and texts XX/XX/XXXX - called father XX/XX/XXXX - contacted company to find out why they had called. I explained to them that they are harassing others even those not related to me or have contact with me. The company also changes phone numbers and does not disclose who they are representing. 

When confronted about calling everyone, the representative said they are a call center and everything is automatically dialed for them. This does not explain why they were harassing others and causing undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-13 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: TX

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
There was a fraudulent charge made on my credit card. I hired a dog sitter that was arrested whilst I was on vacation and she stole my information and social security number and used it to make fraudulent purchases. The person she sent the money to was aware of the fraud and complicit in the scheme as well. She was arrested and is in jail now. 

I contacted the credit card company to and provided them. The police reports proof and contact with the person. The money was sent to where they acknowledge they were aware of the fraud and agreed to cooperated with police detective and refund money. 

They never did. 

The credit card company took over six months to respond to the issue, then closed the case They never looked at the evidence open any of the documents, and I have proof of such. I provided all of the documents they requested, and they did not look at any of the evidence or information when documents are opened.

I believe they dont care or are aware they screwed up by not blocking the transaction in the first place and are failing to follow according to a lawyer I hired the fair credit reporting act and in violation of thheir own terms and conditions.

Theres apparently a class action lawsuit, according to my lawyer of them doing this to other custom customers where they will deny disputes automatically without ever reviewing them and failed provide protection to consumers from fraud. 

They failed to protect from {$XXXX} fraud and their system should have never allowed the charge in the first place and I believe they know they screwed up and thats why they are failing to fix it. They dont want to acknowledge their failings.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-13 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of certain fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft and data breach, and I have discovered unauthorized accounts and inquiries on my credit report. Please consider this letter as my formal dispute of the accounts and inquiries listed below. 
Fraudulent Accounts XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Opened : XXXX o Amount : {$XXXX} XXXX. XXXX XXXX XXXX XXXX o Account Number : XXXX o Opened : XXXX o Amount : {$XXXX} XXXX. XXXX o Account XXXX : XXXX o Opened : XXXX o Amount : {$00.00} XXXX. XXXX XXXX XXXX o Account XXXX : XXXX o Opened : XXXX o Amount : {$10000.00} XXXX. XXXX XXXX XXXX Account XXXX : XXXX o Opened : XXXX o Amount : {$380.00} XXXX. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX o Opened : XXXX o Amount : {$XXXX} XXXX. XXXX XXXX XXXX o Account XXXX : XXXX o Opened : XXXX o Amount : {$XXXX} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Opened : XXXX o Amount : {$XXXX} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Opened : XXXX o Amount : {$XXXX} XXXX. XXXX XXXX XXXX o Account XXXX : XXXX o Opened : XXXX o Amount : {$XXXX} XXXX. XXXX  XXXX XXXX o Account Number : XXXX XXXX  Opened : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: GA

Complaint narrative:
I am reporting an instance of credit fraud that is negatively impacting my ability to purchase a home. Unauthorized accounts have been opened in my name without my consent, resulting in a lower XXXX XXXX and subsequent mortgage application denials. I have notified the credit reporting agencies and taken steps, such as filing fraud alerts and reporting the issue to law enforcement. This situation is causing significant stress and hindering my home-buying process, and I am seeking guidance on how to resolve the fraudulent activity and protect my identity moving forward.

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 2024-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
In XXXX of 2024, I received a letter of Intent to Initiate Administrative Wage Garnishments Proceedings from Pioneer Credit Recovery. I responded to the letter by checking the box that stated that I was ineligible for wage garnishments because I was involuntarily laid off from my previous employer, and I was currently unemployed. I submitted a letter from my previous employer, and a hand-written letter from me stating that I was currently unemployed. I started a new job the last week of XX/XX/year> after submitting my response to pioneer. I received an identical letter of intent to initiate garnishments again in XXXX of 2024. I did not reply to this one since I had already replied to the one back in XXXX. In XXXX of 2024, my new employer received a wage garnishment order. He showed it to me. It was made to look like a court ordered garnishment, but did not look real. It did not have a judge 's signature nor an official seal. He asked me about it, and I told him that I had responded to the letter of intent back in XXXX. He has not been garnishing my wages. Back in XXXX of 2024 he tells me that Pioneer has been harassing him every single month via phone calls and letters demanding payments. Since, then I've been seeking legal advice on how to proceed forward. After several weeks, I finally received advice and I contacted Pioneer on XXXX XXXX, 2024. When I spoke to the initial receptionist, and I explained the problem, she told me that they did receive the letter from my previous employer, but that they did not received my response to the letter of intent. All the correspondence ( letters from me, previous employer and response to letter of intent ) were mailed in the same company provided envelope. She then transferred my call to the wage garnishment division where I spoke to another lady. I again explained my situation to her stating that I had responded to letter of intent back in XXXX of 2024. She claimed that Pioneer never sent me a letter of intent in XXXX of 2024. She claimed that the first letter they sent me was in XXXX of 2024, and that they had no correspondence from me. She offered to resend me the XXXX letter of intent again so that I can resubmit my response to which I agreed. I asked her to stop contacting my employer in the mean time and she said that she couldn't. She said the process was automated and that my employer was not complying with an official order.

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 2024-11-13 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: IL

Complaint narrative:
DUE TO XXXX, THESE ACCOUNTS WERE CREATED WITHOUT MY PERMISSION.

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 2024-11-13 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: IL

Complaint narrative:
DUE TO XXXX, THESE ACCOUNTS WERE CREATED WITHOUT MY PERMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 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 explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to bring to your attention the ongoing issues I've encountered with the inaccurate reporting of my personal information and inquiries by the three major credit bureausXXXX XXXX, and TransUnion. Specifically, my credit reports reflect incorrect or outdated names, addresses, and employment history. These inaccuracies not only misrepresent my personal data but also have the potential to negatively impact my credit standing and financial reputation. 

Inquiries : XXXX XXXXXXXX XXXX XXXXXXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inaccurate Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MI XXXX XX/XX/XXXX - Employers : 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 2024-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC
State: PA

Complaint narrative:
This is an attempt to collect a monetary Judgment that was entered in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX against Scotts and Associates , PC for the amount of {$5000.00}. 

Judgement was entered on XX/XX/year> by Honorable Judge XXXX XXXX XXXX XXXX 

Petition to Open Judgment by Scotts and Associates, PC was DENIED on XX/XX/year> by Honorable Judge XXXX XXXX.

Company response to consumer: Closed with explanation