vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-14 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: NY

Complaint narrative:
XXXX erroneously reported to Experian that I failed to pay a debt timely. This resulted in my credit score dropping from XXXX to XXXX. I have submitted several notices of dispute imploring Experian to do a proper investigation, which they haven't done. Further, now my Experian report reads that the debt was settled for less than the full amount. This is untrue. Despite filing XXXX additional disputes, Experian hasn't corrected their error. ( As soon as I learned of the {$100.00} outstanding balance, I called XXXX and asked why they didn't simply charge the credit card on file -- no answer was given. I directed them to do so, and the debt was paid in full TIMELY. The account is still active. )

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 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I reviewed my consumer reports and noticed that I had a few late payments on an accounts that were never late. The consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have NEVER BEEN LATE. Please investigate and provide proof with statements showing that I was late. If you can not provide proof I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was NEVER LATE. Imagine all the people being affected by these type of errors. PLEASE FIX THIS IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 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: MN

Complaint narrative:
I reviewed my consumer reports and noticed that I had a few late payments on an accounts that were never late. The consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have NEVER BEEN LATE. Please investigate and provide proof with statements showing that I was late. If you can not provide proof I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was NEVER LATE. Imagine all the people being affected by these type of errors. PLEASE FIX THIS 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 2024-01-14 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: NY

Complaint narrative:
XXXX erroneously reported to XXXX that I failed to pay a debt timely. This resulted in my credit score dropping from XXXX to XXXX. I have submitted several notices of dispute imploring XXXX to do a proper investigation, which they haven't done. Further, now my XXXX report reads that the debt was settled for less than the full amount. This is untrue. Despite filing XXXX additional disputes, XXXX hasn't corrected their error. ( As soon as I learned of the {$100.00} outstanding balance, I called XXXX and asked why they didn't simply charge the credit card on file -- no answer was given. I directed them to do so, and the debt was paid in full XXXX. The account is still active. )

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 2024-01-14 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: Early Warning Services, LLC
State: PA

Complaint narrative:
This is in reference to an incident that occurred XX/XX/2018 when an unknown individual used my bank account by submitting a fraudulent check I was completely unaware of this activity as my identity has been stolen and I have been a victim of identity theft for several years leading up to this incident I can provide a copy of a police report as evidence is an ongoing issue this is my XXXX time disputing this same problem with early warning systems XXXX XXXX XXXX and the Consumer Financial Protection Bureau and nothing has been done to resolve the issue the person responsible for this fraudulent activity Who I believed to be a family member that lived with me at the time has used my identity to obtain apartments credit cards bank accounts credit accounts loans cards and even accumulated outstanding parking tickets among other things this individual has caused significant harm in my life and financial well being I have disputed this incident multiple times with early warnings yet it remains on my file I kind of request that they remove this incident from my file as it had nothing to me I also had this same incident on XXXX XXXX and they investigated it and realized that it was fraud and they removed it it is important to note that my account was shut down due to this fraudulent activity which I believe is unfair considering that I was a victim of the situation additionally the debt associated with the incident is XXXX years old and there is a XXXX balance owed to them maintaining a clean credit history is the utmost importance to me and I kindly ask for your assistance and resolve in this matter. Not to mention the problem is with XXXX XXXX XXXX which owns early warning system and if I have reached out to both companies yet they still allow this to remain on my file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2024-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
The company sent a letter saying the charges were fraudulent and my balance was XXXX. However, I had already paid those fraudulent charges so my balance should be a credit. I no longer have the original card the charges were made on because the company gave me a new card!

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 2024-01-14 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: DC

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report. I am requesting this accounts to be removed or marked paid for less I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts on my report The agency clarity services has violated my federally protected consumer rights to privecy and confidentiality under 15 USC 1681.

* 15 U.S.C 1681 section 602 A. States I have the right to privacy.

* 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions also under codes 15 U.S. Code 1692 ( f ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( e ) 6 Violations in total

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 2024-01-14 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: FL

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
trans union has made claims that the Bankruptcy on my record is valid and verified but refuses to send me verifiable proof even though iv requested several times! they must remove this Bankruptcy pursuant to 15 USC 1681 sub section 604 they can not furnish my acct without my written consent. And have failed to send me verifialible proof of the acct please remove it immediatley or i will pursue litigation against them under section 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 2024-01-15 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:
Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 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: FactorTrust, Inc.
State: DC

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report. I am requesting this account to be removed or marked paid for less I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts on my report The agency ( factor trust ) has violated my federally protected consumer rights to privecy and confidentiality under 15 USC 1681.

* 15 U.S.C 1681 section 602 A. States I have the right to privacy.

* 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692 ( f ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( e ) 6 Violations in total

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 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: MI

Complaint narrative:
XXXX XXXX has made claims that the Bankruptcy on my record is valid and verified but refuses to send me verifiable proof even though iv requested several times! they must remove this Bankruptcy pursuant to 15 USC 1681 sub section 604 they can not furnish my acct without my written consent. And have failed to send me verifialible proof of the acct please remove it immediatley or i will pursue litigation against them under section 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 2024-01-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XX/XX/XXXX I wrote this company and told them I did not give them permission to furnish ANY DATA on my credit report. 

They response " The consumer states Caine & Weiner did not get her permission before reporting on her credit. Caine & Weiner is a debt collector. Our company does not buy debt. The debt is for an automobile policy with XXXX. We collect on behalf of numerous clients, XXXX is our client in this situation. Our records indicate the initial correspondence was sent to the consumer XX/XX/XXXX, to the address provided by our client. Validation was last sent XX/XX/XXXX, to the address provided in the complaint. Validation will be forwarded again on XXXX XXXX XXXX to the address provided in the complaint. The file has been noted as 'Disputed ' in our files and the credit reporting agencies have been contacted to update the file accordingly. This should allow the consumer the opportunity to review the documents and contact our client, XXXX. If the consumer believes the account is invalid we ask that the appropriate paperwork ( fraud report, police report, etc. ) be forwarded to our office. As a XXXX company, Caine & Weiner wants to help consumers in any way possible. We encourage the consumer to call our office at XXXX and ask for a XXXX for further assistance. '' I'VE SENT THEM A CEASE & DESIST LETTER IN XX/XX/XXXX YET THEY IGNORE CONSUMER LAW AND CONTINUE TO CONTACT ME. ANOTHER ILLEGAL VIOLATION!!! THEY WENT AND PUT " DISPUTED '' ON MY CREDIT WHICH IS ANOTHER ILLEGAL ACT. DO NOT PLACE ANY WORDING OR VERBIAGE ON MY CREDIT. REMOVE IT WHILE YOU CONDUCT YOUR INVESTIGATION. MY LAST RESPONSE OR MY ATTORNEYS WILL BE INVOLVED. YOU WILL BE SUBJECTED TO PAY MY ATTORNEY FEES PLUS A FINE OF {$1000.00} PER FINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 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: DC

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report. I am requesting this account to be removed or marked paid for less I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts on my report The agency XXXX XXXX has violated my federally protected consumer rights to privecy and confidentiality under 15 USC 1681.

* 15 U.S.C 1681 section 602 A. States I have the right to privacy.

* 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692 ( f ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( e ) 6 Violations in total

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 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: FL

Complaint narrative:
Concerns About My Personal Info Being Shared Without Permission Hello, I hope you're doing well. My name is XXXX XXXX, and I need to talk to you about something important regarding my credit report. 

I noticed that some of my personal information was shared with another party without my permission. This doesn't seem right, and I believe it goes against the rules in the law ( 15 U.S. Code 6802 ) about sharing personal information. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to know and control who accesses my personal details. The fact that my information was shared with someone not connected to your agency raises concerns about my privacy rights. I never had the chance to say no to this, which the law requires. 

I want to be clear that my concern is not with the companies I owe money to but with your agency for sharing my information without asking me. 

I checked the law ( 15 USC 1681b ), and it says you need my written permission to share my personal information. Since I haven't given that permission, I'm asking you to show proof that I agreed to it. If you can't, it might mean a violation of FCRA rules.

I've already reported this to the Federal Trade Commission ( FTC ), and my complaint number is XXXX. I'm worried that this unauthorized sharing might be a form of identity theft ( 18 USC 1028a ). 

I officially request you to remove the following accounts from my credit report within XXXX business days : XXXX XXXX - Account Number : XXXX ( this account has multiple errors from XXXX to XX/XX/2022, showing a repetitive late payment of XXXX days, violating 15 USC 1681eb and inaccurate reporting ) XXXX Account Number XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX I have the right to fair and accurate credit reporting, and fixing these mistakes is crucial for the accuracy of my credit report. 

Also, I need you to explain how you verified that the information you have is accurate and that I had the chance to decline it. This is important for fairness and accuracy in credit reports. 

I hope we can resolve this matter within the specified XXXX business days. If not, I might have to consider legal action. 

Thank you for addressing this promptly.

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 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/ I was reviewing my credit reports, and I saw some things I were not sure were correct. The next day I sent a letter to TransUnion through certified mail asking them to reinvestigate and make sure the account information was complete and accurate. 

They refused to do a reinvestigation and said I should wait to get the results of the original investigation I did by phone. 

On XX/XX/ I noticed some things were still not correct or did not match my other credit reports when their investigation was complete. The next day I sent TransUnion another letter via certified mail asking them how they verified the information and to provide me with a description of how they reinvestigated the accounts. 

They refused to do that as well. They sent me an e-mail saying that I was a credit repair company. They said they could not verify my information because they needed identification. I already sent XXXX forms of identification with the letter. I am not a credit repair company, and I do not use a third-party. I just want the accounts investigated correctly. They do this the majority of them time when I try to dispute by mail. I called and chatted with them to confirm who I was. I was told multiple times they were going to continue with the investigation, but they did not. I am attaching the documents that I mailed TransUnion.

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 2024-01-14 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: GA

Complaint narrative:
There is an account listed as XXXX XXXX located on my credit file that does not belong to me. Ive disputed this account with the bureau ( XXXX ) numerous times advising them to provide me documentation proving that it belongs to me and they have never provided documentation. The account is fraudulently reporting and violating my consumer right to accurate reporting. Ive attached a previously filed police report and FTC report regarding accounts on my file that I never opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief