vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of COLLECTION XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom this may concern I'm complaining because I went from XXXX at XXXX at XXXX I can't show you none of that because from XXXX and XXXX these accounts was closed and they keep reopen them and I kept disputing they after 30 days they reopened they updated them like I just opened them and these accounts been open ever since XXXX and XXXX long time ago and it's still open up every month I dispute the same thing and here it is XXXX XXXX tell me this is fraudulent at its finest

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: NE

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 2024-10-21 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: GA

Complaint narrative:
Dear Sir or Madam, I am a victim of identity theft. The information listed above which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft. 
Identify item ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2024-10-21 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: AL

Complaint narrative:
I am filing this complaint against Equifax regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to unresolved inaccuracies on my credit report. Despite my formal disputes, some unverified accounts remain on my Equifax report, in violation of Section 611 of the FCRA ( 15 U.S.C. 1681i ).

I previously disputed the following items on my Equifax credit report, as I believe the information is inaccurate and can not be verified. However, Equifax has left these accounts on my report without providing proper verification : Creditor/Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : NOT MINE Creditor/Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : NOT MINE Creditor/Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : NOT MINE Creditor/Account Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : NOT MINE Creditor/Account Name : XXXX Account Number : XXXX Reason for Dispute : NOT MINE Creditor/Account Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : NOT MINE Creditor/Account Name : XXXX XXXX XXXX  Account Number : N/A Reason for Dispute : NOT MINE FTC Report : I have also filed a report with the Federal Trade Commission ( FTC ) regarding this matter. My FTC report reference number is XXXX. 

Attempts to Resolve : I submitted a formal dispute to Equifax on XXXX XXXX requesting verification of the accounts listed above. Despite my efforts, Equifax has failed to verify or remove these unverified accounts within the required time frame.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On or about XX/XX/XXXX I requested an increase of my credit limit to {$20000.00} on a credit card I have had since XXXX XXXX XXXX This request was denied because of a credit freeze on my account. The date of the notice from my XXXX XXXX was XX/XX/XXXX, account number assigned was XXXX. When I was submitting the request through XXXX on XXXX I was told the credit agency was Equifax. I immediately tried to login to my personal account with them, an account I have had since the early XXXX 's when a breach had occurred and I was offered the freeze capability. Since that time I have used the service quite often, temporary specific account, etc. 

When I attempted to login I was told that my login ID was an invalid email address. That address was one that I had established through my XXXX when I lived in XXXX XXXX, AZ. When I moved to XXXX WA I terminated my relationship with XXXX because of coverage. XXXX has advised me that I needed to keep the address active but without a login to them it was impossible. Earlier this year XXXX terminated my email account. 

A secondary issue complicated the matter because of a cell phone issue with my current carrier, XXXX. They refused to transfer my cell number and deactivated the cell number. 

These two issues make login to my Equifax account impossible and complicates any attempt I might make to delete the previous obsolete login and establish a new account with them. I have since found exactly the same issue with both XXXX and XXXX. In fact, all 3 agencies have now added a security freeze on top of the credit freeze. I have not attempted to obtain a copy of my credit report but I believe the request would fail. 

As it turns out my wife has exactly the same problem caused by the exact same issue. She has tested her access and had the same result.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: PA

Complaint narrative:
This CFPB complaint has been submitted to request, in accordance with FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, the XXXX credit reporting agency , block information on my consumer credit report that stems from identity theft and fraud within four business days of receiving this complaint. The fraudulent, inaccurate, and false information includes XXXX, Account Number : XXXX bal. {$17000.00}. This account has led to numerous hard inquiries and fraudulent collections on my FICO credit report. This is a fraudulent account you are maintaining that appear on my report. I do not recognize this account. It was not opened, created, or initiated by me, and all are the direct result of identity theft and fraud, violating consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 605B, you are required to block this information from my credit report. Attached is a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that these accounts, collections, and inquiries are unequivocally tied to identity theft and fraud. I expect immediate action in accordance with consumer protection laws.

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 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I contacted my bank ( Wells Fargo ) to report a fraud/scam situation I was involved in. They denied my claim after a couple days. The total amount of 15 transfers that resulted in fraud was {$15000.00} ( {$12000.00} from XXXX and {$3600.00} from XXXX ). 

I had sent a total of 15 transactions over a span of 3 months ( XXXX XXXX and XXXX XXXX ) to XXXX XXXX, whom I met on XXXX XXXX, to purchase vending machine locations. He reached out to me last week to admit he indeed scammed me and I would never be seeing my money again or any of the locations I purchased. I filed a police report with XXXX XXXX Police Department and a report with the FTC shortly after I found this out.

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 2024-10-21 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: GA

Complaint narrative:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts ; ( Original Creditor : XXXX  ) XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. 
Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

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 2024-10-21 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: NJ

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute letter to Equifax via XXXX certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). In this letter, I requested an investigation into the following inaccurate items on my credit report : Negative accounts reporting inaccurately, including a bankruptcy with discrepancies. 
Incorrect addresses. 
I ensured that my dispute letter included all necessary documentation to verify my identity, such as : A copy of my government-issued ID, A copy of my Social Security card , and A recent proof of address. 
Despite following proper procedures, I have not received any response from Equifax regarding my dispute. XXXX failure to respond to my request violates my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA requires credit bureaus to investigate and respond to disputes within a reasonable timeframe. By disregarding my dispute and request for an investigation, Equifax has violated these legal obligations. 
This failure has caused ongoing harm by allowing inaccurate and negative information to remain on my credit report, including the bankruptcy with discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BlueChip Financial
State: CA

Complaint narrative:
Spot loan is charging me 490 % interest rate please refer to my previous complaint XXXX, This is against the law in California I dont know why you close this this has not been solved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: MS

Complaint narrative:
The following companies have violated my rights : Account Name : XXXX XXXX XXXX DATE : XX/XX/year> AMOUNTS : {$9900.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED Account Name : XXXX XXXX DATE : XX/XX/year> AMOUNTS : {$170.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED Account Name : XXXX XXXX XXXX DATE : XX/XX/year> AMOUNTS : {$680.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED Account Name : XXXX XXXX XXXX DATE : XX/XX/year> AMOUNTS : {$540.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED 15 U.S.C. 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 2024-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I am filing a complaint regarding a collection issue with national criticisms related to a debt I am disputing the debt was incurred while I was legally unable to access the property due to a protection order and my custody status during the time the alleged deck was incurred I was in custody and had a legal protection order in place which explicitly required me to stay away from the property as a result I was unable to fulfill any responsibilities or obligations related to the apartment I contacted national credit systems to dispute the debt providing evidence of my custody and the protection order however they refuse to consider this information stating that they only protect the property owner I'm requesting that the debt be removed from my credit report and that all collection efforts related to this matter cease I am providing you with copies of my legal documents custody records and protection order is proof that I was legally prohibited from addressing this issue at the time I appreciate your assistance and resolving this matter as I believe the collection agencies refusal to consider my situation violate my rights under the fair debt collection practice act fdcpa.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: AL

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 2024-10-21 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: MI

Complaint narrative:
Dear TransUnion, I am writing this CFPB complaint to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block certain information on my consumer TransUnion credit report that has resulted from identity theft and fraud. This fraudulent activity includes an account labeled " OAG CHILD SUPPORT ENFORCEMENT. '' This account has led to unauthorized fraudulent accounts on my credit report. I have attached a list of these fraudulent accounts, along with a copy of my consumer FICO TransUnion credit report, which clearly shows the fraudulent items in question. 

I do not recognize this account, and I can confirm that they were neither opened nor initiated by me. All the accounts listed are a direct result of identity theft. 

Additionally, I have attached a copy of my FTC Identity Theft Complaint ( # XXXX ) as further proof of the fraudulent nature of these accounts. 

I request that you take action to block this information within four business days of receiving this complaint. 

Thank you for your prompt attention to this matter.

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