vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
In XXXX of 2024 I noticed a collection of {$250.00} on my credit report that was filed by Cain and Weiner I contacted the company and was informed the debt was from XXXX XXXX concerning a commercial policy I contacted XXXX XXXX  and was informed it was a mistake by their system ( I instructed them to take someone off of the policy Instead of taking him off they made a mistake and added him to policy The mistake was not caught until XXXX weeks later I was informed that this confused the system and generated a bill He should have been taken off but was added when he was already on policy When it was finally corrected I was told it confused the system ) The agent at XXXX told me sent it was already in collection there was nothing they could do She told me she was sorry that I got a bill and I should not have gotten it I contacted Cain and Weiner and told them what the agent informed me the situation They said I still had to pay in order to get it off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: FL

Complaint narrative:
I've noticed unfamiliar items on my credit report that I did not authorize. It appears my identity may have been stolen, as I did not approve these accounts. I've raised this issue previously and am now requesting these accounts be promptly removed from my report. Their presence is causing significant stress as they do not reflect my true credit history or financial management. Dealing with this has been challenging. If we can not resolve this promptly, I am prepared to pursue legal action to protect my rights and seek a resolution. These inaccuracies on my credit report are a substantial concern, hindering my ability to achieve important financial goals such as purchasing a home and supporting my family. I sincerely hope we can address this matter expeditiously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I opened an XXXX XXXX credit card with Barclays on XX/XX/year> with a promotional offer. The terms of the offer state that if I spend {$15000.00} in XXXX year that I will receive XXXX bonus points in addition to the points that I earn on regular purchases. In my case, I spent {$15000.00} so I would receive XXXX points ( bonus plus " on all other purchases '' category ). To date, I have only received XXXX bonus points plus XXXX points for regular purchases. I tried calling Barclays to address this issue but was not able to speak to someone who could resolve the issue.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account has reported late in my credit report for over 7 years now per fcra laws an account will be removed from account after 7 years I have attempted to resolve with experian and equifax and they do not fix it. 

XXXX was the only one that followed the law and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. I was never late on this account. 
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXlease correct/update this inaccurate information on my credit report. 


XXXX. I was never late on this account. 
XXXX XXXX ( XXXX XXXX XXXX XXXX  ) Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 





In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, 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 2024-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-07-24 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: FL

Complaint narrative:
XXXX is refusing to remove closed accounts from my credit report, Pursuant 18 usc 8, I do not owe any debt, these companies on my credit report are violating my CONSUMER RIGHT TO PRIVACY

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 2024-07-24 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:
XXXX is refusing to remove closed accounts from my credit report, Pursuant 18 usc 8, I do not owe any debt, these companies on my credit report are violating my CONSUMER RIGHT TO PRIVACY

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 2024-07-24 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:
XXXX, XXXX This is my fourth attempt to dispute an account on my credit report that is the result of IDENTITY THEFT. I have summited all the required documents including : 1 ) POLICE REPORT 2 ) IDENTITY THEFT REPORT 3 ) PROOF THAT I WAS UNDER FEDERA LCUSTODY 4 ) PROOF THATI WAS RELEASEDONSUPERVISEDRELEASEINNEWYORK 5 ) PROOF THAT I WAS LIVING IN NEW YORK UNDER SUPERVISION UNTIL XX/XX/XXXX and then in XXXX until XX/XX/XXXX XXXX ) OTHER DOCUMENTS It is an impossibility that I had been able to open a credit card, get a phone, or open a business, let alone buy a car when I was in Federal Prison and then a Halfway House and Probation/Supervised Release living in XXXX  XXXX New York XXXX Once released I moved to XXXX with my wife unitl XX/XX/XXXX. I have my tax returns to prove it. My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my arrest and all during my time in prison and federal custody. He has admitted having stolen and used my identity and he is now on the run with a warrant for his arrest. There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or Federal Prison and even while I was at the halfway house or supervised release without having to go through my Probation Officer. The account that remains on my credit report that is NOT my accounts and is the result of IDENTITY THEFT is : - XXXX  XXXX account opened in XX/XX/XXXX. XXXX {$2400.00}. XXXX Credit Card I am resubmitting all documentation in order to provide all necessary evidence and proof that this is NOT my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: OK

Complaint narrative:
I am wanting these inquiries to be deleted because I did not authorized these companies to run my 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 2024-07-24 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: MD

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite my previous attempts to address these inaccuracies, 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 non-monetary relief
Consumer complaint received 2024-07-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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 observed my credit report and identified inaccurate accounts that require reporting and correction through your company. 
Kindly review and investigate the accounts that are not entirely accurate. I request the removal of all

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 2024-07-24 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:
I reached out to Experian multiple time ( XXXX ) and sent multiple letter ( XXXX ) in reference to removal of inaccuracies on my credit report that does not relate to any transactions I have made. In this complaint I attached a FTC report with these accounts and inquiries listed onto my credit report thats fraudulent reporting and negatively effecting my credit. It is evident that the delay in the resolution of my dispute goes against the consumer protection provisions outlined in the FCRA. This delay not only violates my rights as a consumer but also undermines the integrity and purpose of the dispute resolution process.I do not want any stall letters or automated verified as accurate responses sent to me.If Experian deem anything to be accurate or verified.I demand that Experian promptly conducts a thorough investigation into my dispute and provides me with a written explanation with the method used to verify any information and the description of procedure taken during the investigation. I request all written results within the legally mandated timeframe. Failure to do so will result in a violation of my rights under the FCRA, and I will have no choice but to take appropriate legal action to remedy this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: EQUIFAX, INC.
State: FL

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: GA

Complaint narrative:
Subject : Complaint Against AssetCare LLC for Failure to Provide Proof of Debt and Negative Reporting to Credit Bureaus Re : Original Creditor : XXXX XXXX XXXX XXXX Original Account Number : XXXX Current Alleged Balance : {$1400.00} Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against AssetCare LLC regarding an unresolved dispute over an alleged debt originally from XXXX XXXX XXXX XXXX. The details of the account in question are as follows : Original Creditor : XXXX XXXX XXXX XXXX Original Account Number : XXXX Current Alleged Balance : {$1400.00} Nature of Complaint : Despite my attempts to resolve this matter directly with AssetCare LLC, my requests have been ignored. I sent a formal dispute letter to AssetCare LLC, requesting validation of the alleged debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). To date, I have not received any response or proof of debt from them. 

Instead, AssetCare LLC continues to report this unverified debt to major credit reporting agencies, which negatively impacts my credit score and financial reputation. Their failure to provide the requested information and the continuous negative reporting is causing undue stress and hardship.

Steps Taken : Dispute Letter : I sent a detailed dispute letter to AssetCare LLC, requesting validation of the alleged debt. The letter was sent via certified mail to ensure receipt and included comprehensive details about the debt and my demands for verification.

No Response : Despite the certified mail receipt, AssetCare LLC has not responded to my dispute letter nor provided any proof of the alleged debt.

Negative Reporting : AssetCare LLC continues to report the alleged debt negatively on my credit reports, further exacerbating the situation.

Attached Documentation : I have included a copy of the dispute letter I sent to AssetCare LLC for your reference and review. 

XXXX XXXX : I kindly request the CFPB to intervene and assist in resolving this matter. Specifically, I ask for the following : An investigation into AssetCare LLC 's practices regarding this alleged debt.

A directive for AssetCare LLC to provide the requested validation of the alleged debt.

Removal of any negative reporting related to this alleged debt from my credit reports until the debt is validated.

Assurance that AssetCare LLC complies with the FDCPA and other relevant consumer protection laws. 
Thank you for your attention to this urgent matter. I hope for a prompt resolution to avoid further damage to my credit and financial standing.

Company response to consumer: Closed with non-monetary relief