vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I started sending disputes since XX/XX/2023 about inaccurate accounts on my credit report. I mailed certified letters the each credit b about the inaccurate accounts on my credit profile. After that I mailed out letters on XXXX to address some of the same issues and still they were not fixed, last I mailed out letters on XX/XX/2023. After I checked my credit report there are still accounts reporting inaccurate on my credit report. These accounts are still showing inaccurate information. I will attach the letters that were last sent out with the tracking numbers for all complaints sent out. This is causing me so much stress now and I want justice. 

These are the accounts that I am talking about : XXXX # XXXX the date of last payment is not the same on each credit bureau They are reporting different dates to each credit b. 

XXXX # XXXX The date of last payment is not the same on each credit bureau They are reporting different dates to each credit b. 

XXXX XXXX XXXX shows that I had late payments and they did not send any proof, which I requested a bank statement showing when I was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I started sending disputes since XX/XX/2023 about inaccurate accounts on my credit report. I mailed certified letters the each credit b about the inaccurate accounts on my credit profile. After that I mailed out letters on XXXX to address some of the same issues and still they were not fixed, last I mailed out letters on XX/XX/2023. After I checked my credit report there are still accounts reporting inaccurate on my credit report. These accounts are still showing inaccurate information. I will attach the letters that were last sent out with the tracking numbers for all complaints sent out. This is causing me so much stress now and I want justice. 

These are the accounts that I am talking about : XXXX # XXXX the date of last payment is not the same on each credit bureau They are reporting different dates to each credit b. 

XXXX # XXXX The date of last payment is not the same on each credit bureau They are reporting different dates to each credit b. 

XXXX XXXX XXXX shows that I had late payments and they did not send any proof, which I requested a bank statement showing when I was late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
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 XXXXXXXX XXXX ; I requested XXXX look into the above credit inquiries and they conducted an investigation and they completed it on XX/XX/2023 XXXX I also reported these inquiries throught IdentityTheft. gov. These inquiries are still showing up on my credit report when I never applied to do business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in a account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
FRAUD ON MY CONSUMERS CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
FRAUD ON MY CONSUMERS CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TransUnion indicates that they verified the bankruptcy account through the Bankruptcy court. Frustrated I decided to contact the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. 
I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. TransUnion List the court as a method of verification and the court denounces that investigation in the letter provided As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. Also, Transunion has not verify the information accurately and I ask that they remove it immediately.

The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX, XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I signed up with XXXX and XXXX to freeze my credit because my state ( XXXX  ) XXXX had all of our diver 's license information stolen, along with the last 4 of our SSNs. 

Equifax however could not identify me. So they mailed me a code, which I entered on their web site and they still could not identify me. I then went through an account recovery process that did not work and was directed to call them. 

I called them and answered about a dozen personal questions. They sent me a link to an app to take a photo of my driver 's license, which I did about 10 times, and none of the images were accepted despite the fact that I've worked for a bank doing image verification and know how to capture a good image with my XXXX XXXX XXXX. 

So now my credit is frozen with XXXX and XXXX, but Equifax will not let me freeze my credit. This is ridiculous since all XXXX agencies should have the same information about me. 

This is especially disturbing to me because they mailed me a code via US Postal Service and I entered it on their web site and they still won't accept that I am who I say I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX - # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX , Account name : XXXX  XXXX XXXX # XXXX , Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX has violated my rights accordingly : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing the following items. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
FRAUD ON MY CONSUMERS CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing this complaint because I'm going through a stressful time due to Kohls , Inc. actions. I filed an arbitration case against Kohls , Inc., which is reporting the accounts involved in this matter. Kohls , Inc. has refused to arbitrate the matter thereby violating the contractual agreement. 

I have consistently demonstrated a strong commitment to honoring my financial obligations by promptly settling my bills. I decided to automate my payments by setting up an online auto-payment system. However, to my dismay, I later discovered that this transaction had not been successfully processed. 
On the other hand, I discovered that Kohls has failed to report my complete payment history, they are missing numerous on time payments I have made. Despite my efforts to ensure that the information on my account was accurate, I discovered that Kohls had reported incorrect information to the credit bureaus. This error had a significant impact on my credit score, making it more challenging for me to obtain credit, loans, and other financial services. 
Moreover, Kohls failed to comply with the FCRA 's notice of adverse reporting requirement. I was never notified of any adverse reporting, despite the fact that there were multiple occasions where such reporting occurred. 

This issue has caused me significant stress, and it has a negative impact on my financial well-being. Specifically, my credit score plummeted by XXXX points, I had been in the process of purchasing a house. But with this sudden drop in my credit score, the mortgage lender withdrew their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Because of recent data breaches relating to XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, I don't know about XXXX XXXX XXXX XXXX XXXX ; I wanted to put a credit report freeze with the three main credit reporting companies.I was able to do this easily with XXXX and XXXX, but not Equifax. 

I was not able to set up an account online with replies like " Try again Later '' or " Call our support line '. I went through lengthy message Q & A via a computerized menu, giving SSN, address, etc... Then, I would hit a menu with questions about financial activity and the responses I would give by voice or keypad did not register and I could go no further. I can not reach a customer service representative. They said they would send a verification code via snail mail. It took over a week to arrive. The code did not work, but an email came shortly after this saying my account was activated. I can not sign in, getting the " try again later '' or call the number with the menus to nowhere. 
Finally, I emailed the customer.care@equifax.com address that was only to be found on this letter that had the verification code on it that didn't work. 
This company has MY sensitive data, but there is no reasonable way to contact them. 

Please, I am desperate and just want to do a simple credit report freeze.

Company response to consumer: Closed with explanation