vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 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: AR

Complaint narrative:
I am filing this complaint because I have disputed inaccurate account information for XX/XX/year> and XX/XX/year> to no avail with the consumer reporting agency Equifax. The CRA holds multiple incomplete accounts. These accounts were disputed but was left unresolved. According to the FCRA, incomplete accounts must either be updated to make the account complete or deleted because incomplete accounts are unverifiable. I am making another attempt to dispute these accounts, but this time I want to make sure the Equifax is compliant with the proper procedures required according to federal law. CRAs are to ensure maximum possible accuracy of credit reports. CRAs also have a bad habit of " parroting '' information to the creditors and rely on their responses rather than conduct their own reasonable reinvestigations. That is in fact one-sided and unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: TX

Complaint narrative:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the XXXX for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sherloq Group, Inc
State: FL

Complaint narrative:
My identity was stolen and someone rented an apartment with this company. The company is trying to force me to pay {$18000.00}. The company closed further attempts to get monies from me on XX/XX/XXXX. They have sent me a letter, dated XX/XX/XXXX to pay debt in full. I am 71 years of age fighting XXXX and XXXX XXXX. I had my XXXX XXXX XXXX of my XXXX removed at the time of the agreement they had with their tenants, XX/XX/XXXX. I was XXXX in XXXX XXXX at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XX/XX/XXXX : Equifax XXXX XX/XX/XXXX : Equifax XXXX XX/XX/XXXX : Equifax The following inquiries were not authorized and should not be reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: NV

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-07-29 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: CA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX Account XXXX : {$32000.00}

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 explanation
Consumer complaint received 2024-07-29 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Formal Dispute of Fraudulent Collection Items and Violation of FDCPA by Consumer Adjustment Corp** To Whom It May Concern, I am writing to formally dispute the accuracy of certain items on my credit report related to Consumer Adjustment XXXX. These entries are erroneous and have been added to my credit report without my knowledge or consent. The details are as follows : **Disputed Accounts : ** XXXX XXXX XXXX XXXX XXXX {$450.00} and {$330.00} XXXX : FCRA Section XXXX - Reporting inaccurate and fraudulent information. 

The first collection item amounts to {$450.00} and the second to {$330.00}. These entries were added without my knowledge or consent, and I dispute their validity. 

The agency name listed on my credit report is " XXXX XXXX XXXX XXXX' instead of " XXXX XXXX XXXX '' This discrepancy appears to be a fraudulent move, likely intended to confuse or mislead, further undermining the legitimacy of these collection entries. 

I have already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these fraudulent entries. This is a formal demand for the immediate removal of these items from all credit reporting agencies. 

In light of these violations, I request the immediate removal of the aforementioned items from my credit report under the Fair Credit Reporting Act ( FCRA ) Section XXXX, which grants me the right to dispute inaccurate information on my credit report. 

**Enclosures : ** Copies of the dispute letter sent to XXXX XXXX XXXX XXXX 
Proof of mailing and tracking numbers for the dispute letter. 
Any other relevant documentation supporting my claims. 

I expect your prompt attention to this matter and a resolution within 30 days as stipulated by the FCRA. Failure to remove these erroneous items will result in further actions, including additional complaints to the CFPB and possible legal recourse. 

Thank you for your immediate attention to this serious matter. 

Sincerely, 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 2024-07-29 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.

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation into the accounts listed in my consumer report. Despite my multiple requests for a review, I believe these accounts are not being reported in accordance with legal standards. I received a letter indicating that the credit Bureaus investigation was completed and that the accounts were confirmed as accurate. Could they please provide a detailed explanation of how this investigation was conducted? 
For their convenience I have listed the alleged accounts in question : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-07-29 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.

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation into the accounts listed in my consumer report. Despite my multiple requests for a review, I believe these accounts are not being reported in accordance with legal standards. I received a letter indicating that the credit Bureaus investigation was completed and that the accounts were confirmed as accurate. Could they please provide a detailed explanation of how this investigation was conducted? 
For their convenience I have listed the alleged accounts in question : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
This violates 15 U.S. Code 168i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove it immediately. Multiple names, numbers, addresses, and finance companies must be removed immediately. I did not authorize this. XXXX XXXX and XXXX XXXX need to be removed from my credit. The only name to be shown is XXXX XXXX XXXX. That is my legal name. I can send proof. The only address and phone numbers that need to be shown are XXXX and XXXX XXXX XXXX, XXXX, LA XXXX & XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX. XXXX, XXXX, LA XXXX. XXXX XXXX is also showing as paid off, and I was incarcerated when that account opened fraud. The company is a scam. XXXX XXXX financed a car in my dads name, first me, and second. They ran my name with lenders without my permission. This all has my credit bad, and I am buying a home. Also, Ally Financial has a report on my credit that when the car was stolen and found and then they sold it at an auction which my car had full coverage insurance on it and should have paid it off. They are saying I still owe. That is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: NC

Complaint narrative:
I recently received and review my credit report and noticed i have fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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.

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation into the accounts listed in my consumer report. Despite my multiple requests for a review, I believe these accounts are not being reported in accordance with legal standards. I received a letter indicating that the credit Bureaus investigation was completed and that the accounts were confirmed as accurate. Could they please provide a detailed explanation of how this investigation was conducted? 
For their convenience I have listed the alleged accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-07-29 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: MD

Complaint narrative:
Certainly! Here is the revised letter with the Equifax address : -- - XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, GA XXXX **Subject : Formal Dispute of Fraudulent Collection Items and Violation of FDCPA by Consumer Adjustment Corp** To Whom It May Concern, I am writing to formally dispute the accuracy of certain items on my credit report related to Consumer Adjustment Corp. These entries are erroneous and have been added to my credit report without my knowledge or consent. The details are as follows : **Disputed Accounts : ** XXXX XXXX XXXX XXXX XXXX {$450.00} and {$330.00} XXXX : FCRA Section XXXX - Reporting inaccurate and fraudulent information. 

The first collection item amounts to {$450.00} and the second to {$330.00}. These entries were added without my knowledge or consent, and I dispute their validity. 

The agency name listed on my credit report is XXXX XXXX XXXX XXXX '' instead of " XXXX XXXX XXXX '' This discrepancy appears to be a fraudulent move, likely intended to confuse or mislead, further undermining the legitimacy of these collection entries. 

I have already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these fraudulent entries. This is a formal demand for the immediate removal of these items from all credit reporting agencies. 

In light of these violations, I request the immediate removal of the aforementioned items from my credit report under the Fair Credit Reporting Act ( FCRA ) Section XXXX, which grants me the right to dispute inaccurate information on my credit report. 

**Enclosures : ** Copies of the dispute letter sent to XXXX XXXX XXXX XXXX 
Proof of mailing and tracking numbers for the dispute letter. 
Any other relevant documentation supporting my claims. 

I expect your prompt attention to this matter and a resolution within 30 days as stipulated by the FCRA. Failure to remove these erroneous items will result in further actions, including additional complaints to the CFPB and possible legal recourse. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: TX

Complaint narrative:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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: FL

Complaint narrative:
Subject : Complaint Against [ TRANSUNION ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ TRANSUNION ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ TRANSUNION ]. 
Account Information : Creditor Name : XX/XX/XXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ TRANSUNION ] has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. 
The violations committed by [ TRANSUNION ] include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ TRANSUNION ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ TRANSUNION ] ] upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue and holding [ TRANSUNION ] accountable for their actions. 
Sincerely,

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: IN

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
What happened? 

I am writing to file a complaint against American Express ( Amex ) regarding the handling of my welcome offer for the Platinum card. Below is a detailed account of the events : First-Time Card Application : This was my first time applying for an Amex card.

No Pop-Up Window : There was no pop-up window indicating any issues during the application process, never indicate that I am not eligible for the welcome offer Application Process : On XX/XX/2024, after completing the application, the webpage did not provide an immediate result. I had to call customer service to verify my address to complete the process. During this call, I explicitly confirmed with the representative multiple times that I was eligible for the XXXX Amex points welcome offer after spent {$8000.00} in 6 months. I have call recordings as proof. [ Could you plz ask Amex to provide the call recording as well? ] Lack of Notification : At no point did Amex notify me that I was not eligible for the welcome offer or that it had been denied.

Company 's Response : XXXX months later, Amex informed me that while my card application was approved, the welcome offer was not. This was never communicated to me until now. Had I known that I would not receive the welcome offer, I would not have applied for this card with its high annual fee [ {$690.00} which is far beyond of my budget ]. This feels like a case of deceptive practices aimed at collecting the annual fee under false pretenses.

Customer Service Interaction : When I contacted customer service, they were dismissive and claimed that I misunderstood the situation.

I am extremely dissatisfied with Amex 's handling of this matter and feel it constitutes consumer fraud. I have been in the U.S. for many years, and this is the first time I have experienced such deceptive practices from a company. I seek a resolution where the promised welcome offer is honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XX/XX/year> the web site doesn't stand for a piece of paper. I have a visible asset space character in name and web page refuses to provide account services to customer. I report of bank liability communism to be denying assets in account services to customer of equal credit opportunity act for a open end account without limitations.

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 2024-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
They violated several rights from the consumer law while heisting my information and putting me into a contract with a third party. They failed to provide written notice ( disclose ) the right to rescind while not providing insurance. They also charged me with a down payment with a finance charge.

Company response to consumer: Closed with non-monetary relief