vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 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: NJ

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible 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 explanation
Consumer complaint received 2024-07-01 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I recently reviewed my consumer report and I noticed that there were two late payments on my account with XXXX XXXX XXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. made several attempts to this company to stop reporting innacurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous innacurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that experian, XXXXXXXX XXXXASSUMED this VITAL role pursuant too 15 USC 1681 ( a ) ( 3 ). Also, Experian, XXXX XXXXfailed to be fair and repect my privacy according too 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Experian, XXXX, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving experian the oppurtunity to make this matter right by way of the following ; REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INNACURATE PERSONAL INFORMATION. I have included certified mail slip proving the received these documents.

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 2024-07-01 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: MO

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: MO

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 2024-07-01 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: GA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than XXXX business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 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 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 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 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 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 non-monetary relief
Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I am requesting contracts from Midland Credit that show I am responsible for the following debt with them : Account info Account name MIDLAND CREDIT MANAGEMEN Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$450.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$450.00} Balance updated XX/XX/XXXX Recent payment - Monthly Payment - Original balance {$450.00} I do not know a contract between myself and this company, I am requesting immediate deletion of the account from my credit report as it it causing financial difficulty for me and my family. I have attached a copy of the credit report from XXXX as well as identifying documents for myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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:
I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately. I have contacted the companies associated with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and remove the late payments. 
I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. 
I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections. 
XXXX XXXX  XXXX and 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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SS : XXXX Tel : XXXX XX/XX/year> I request that you update my personal information on my credit report so its accurate. 

Please update the following : My primary mailing address - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX My primary phone number - ( XXXX ) XXXX My primary email - XXXX My current employer - XXXX XXXX XXXX Position - XXXX  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 explanation
Consumer complaint received 2024-07-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I uploaded a dispute letter to XXXX XXXX, requesting specific information on how they verified the accuracy of the bankruptcy reporting on my credit report. 

Public Record Court Name : XXXX XXXX XXXX XXXX XXXXXXXX Reference Number : XXXX Specifically, I requested that Experian provide the following information : The date you contacted the creditor/furnisher Name of the person who verified the item Method of communication used to verify information Whether the creditor provided SSN, address, and date of birth Despite my clear and thorough request and the provision of my driver 's license, a copy of my Social Security card , and proof of address, I have not received any response from Experian. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a bureau is disputed by the consumer, the credit reporting agencies must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that credit reporting agencies must ensure the accuracy and completeness of information in consumer credit reports.

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 2024-07-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Subject : Formal Dispute Regarding Unauthorized Credit Reporting and Billing Practices Dear CFPB, I am writing to formally lodge a complaint and request your intervention regarding an unfair and unauthorized charge that has been reported on my credit report. This issue concerns an order placed with XXXX XXXX, and the subsequent actions taken by the creditor, which have led to significant and unjust negative impacts on my credit report. 

Summary of Events : I placed an order with XXXX XXXX for an amount of {$4200.00}. 
I did not receive the item ( s ) ordered. 
Initially, I was credited for the amount by XXXX XXXX. 
Subsequently, XXXX XXXX reversed the credit and imposed a 50 % charge-back fee, amounting to {$2100.00}. 
I disputed this reversal, and the full amount of {$4200.00} was charged back to my credit card. 
Due to the unresolved dispute and unfair charges, I did not pay the {$4200.00}. 
My account was then closed by the creditor and reported to the credit bureau as a delinquent amount of {$4200.00}. 


Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate or unfair information on my credit report. Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, protects consumers from unfair and deceptive practices by creditors and debt collectors. 

Request for Resolution : Immediate Removal of Negative Reporting : I request that the CFPB intervenes to ensure the removal of the {$4200.00} delinquent report from my credit report. 
Correction of Account Status : I request that my account status be corrected to reflect the dispute and the fact that the charge was a result of not receiving the ordered item ( s ). 
Investigation and Enforcement : I request that the CFPB investigates the practices of XXXX XXXX  and the creditor involved for potential violations of the FCRA and FDCPA. 
Written Confirmation : I request written confirmation from the CFPB and the credit bureau that the negative report has been removed and my account status has been corrected. 
Enclosed are copies of relevant documents, including the order confirmation, communication with XXXX XXXX, and my credit report highlighting the disputed charge. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue fairly and justly. 

Sincerely, XXXX XXXX Enclosures : Copy of Order Confirmation Copies of Communication with XXXX XXXX  Copy of Credit Report Highlighting Disputed Charge

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 monetary relief
Consumer complaint received 2024-07-01 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: NY

Complaint narrative:
I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that have appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, these fraudulent accounts remain unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. I first brought these fraudulent accounts to your attention on XX/XX/year> following which I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent accounts is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: GA

Complaint narrative:
Im filling this compliant today to inform you, that you are not doing your job, to investigate the inaccuracies of the accounts in my credit report. 
XXXX XXXX  XXXX Balance {$720.00} XXXX XXXXXXXX Balance {$460.00} DPT EDXXXX XXXX Balance {$9100.00} DPT EDXXXX XXXX Balance {$4700.00} DPT EDXXXX XXXX Balance {$1900.00} DPT EDXXXX XXXX Balance {$2100.00} DPT EDXXXX XXXX Balance {$4800.00} DPT ED/XXXX  XXXX Balance {$1700.00} DPT EDXXXX XXXX Balance {$2600.00} DPT EDXXXX XXXX Balance {$2300.00} DPT EDXXXX XXXX Balance {$970.00} DPT EDXXXX XXXX Balance {$270.00} DPT ED/XXXX  XXXX Balance {$1600.00} DPT ED/XXXX  XXXX Balance {$4200.00} DPT EDXXXX XXXX Balance {$6300.00} DPT EDXXXX XXXX Balance {$2500.00} DPT EDXXXX XXXX Balance {$9800.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$410.00}

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 2024-07-01 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: IL

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to Equifax, requesting specific information on how they verified the accuracy of the bankruptcy reporting on my credit report. 

Public Record Court Name : US DIST CT Reference Number : XXXX Specifically, I requested that Equifax provide the following information : The date you contacted the creditor/furnisher Name of the person who verified the item Method of communication used to verify information Whether the creditor provided SSN, address, and date of birth Despite my clear and thorough request and the provision of my driver 's license, a copy of my Social Security card , and proof of address, I have not received any response from Equifax. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a bureau is disputed by the consumer, the credit reporting agencies must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that credit reporting agencies must ensure the accuracy and completeness of information in consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: FL

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023

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 2024-07-01 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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
Consumer complaint received 2024-07-01 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: NY

Complaint narrative:
This is my numerous request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items Iam disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made orauthorized.Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation