vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-27 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: FL

Complaint narrative:
Despite my multiple attempts, the situation remains unresolved. I believe it is essential to provide an overview of the numerous attempts I have made. I was informed that my case was under review and that I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items from my credit file. I contacted XXXX, Equifax and XXXX Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. 
This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with Equifax and XXXX Credit Bureau 's requests. The presence of these fraudulent items on my credit file is significantly impacting my financial and personal well-being. I request the following : Immediate and effective action to remove the fraudulent items from my credit file.

Clear communication regarding the status of my case and the steps being taken to rectify the issue. A formal written acknowledgment of the removal of the fraudulent items. Compensation for any financial losses or damages incurred as a result of these fraudulent items. I trust that Credit Bureaus takes matters related to credit reporting and customer satisfaction seriously, and I am hopeful that this matter will be resolved promptly and to my satisfaction. If this issue is not resolved within a reasonable exact timeframe, I will have no choice but to seek legal counsel and report the matter to the relevant regulatory bodies. I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-05-27 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
SEE ATTACHED I HAVE RECENTLY REVIEWED MY CREDIT REPORT AND FOUND SOME DEBT COLLECTIONS I AM UNAWARE OF AND DEBT COLLECTOR TRYING TO COLLECT A DEBT BY CONTACTING ME THROUGH EMAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
The discovery that a debt was not disclosed to me, nor was any contract established with a collection company, raises serious concerns regarding privacy and legal compliance. This situation potentially constitutes a violation of the Health Insurance Portability and Accountability Act ( XXXX ), as it pertains to medical debt. The absence of transparency regarding the debt 's existence and the involvement of a collection agency suggests a lack of proper authorization or consent. HIPAA regulations are designed to safeguard individuals ' protected health information, ensuring its confidentiality and proper handling. Failure to disclose medical debt and involve individuals in the debt collection process not only breaches HIPAA regulations but also infringes upon their rights to privacy and due process. Addressing this issue requires thorough investigation and corrective action to rectify any violations and ensure compliance with relevant laws and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: NY

Complaint narrative:
I'm not sure how many letters I've sent your bureau to inform you that I was a victim of identity theft, as my concerns remain unresolved. Once again, I am disputing the fraudulent information that is damaging my file. 
Despite sending the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I have contacted the associated banks, submitted the necessary documents, and they have promptly deleted this account from their records. 
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 2024-05-27 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-27 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: GA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2024-05-27 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:
Dear Sir or Madam, I am a victim of identity theft and I am writing to you because certain information in my file resulting from the crime has reappeared on my credit report and Equifax refuses to address the matter promptly. 
The items I am disputing do not relate to any transactions I have made or authorized. Please have Equifax remove this information at the earliest possible time. The fraudulent account appearing on my credit report is XXXX  and the fraudulent inquiries are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

XXXX and XXXX removed the fraudulent above information but Equifax had them reappear. This has been a well-established case of Identity theft and a crime. Negligence from Equifax is costing me more than money, It is costing me my emotional and mental well-being. Equifax violates section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and section 605B of the Fair Credit Reporting Act,15 U.S.C . 1681c-2. 
Please have Equifax comply with the law, and remove/block this fraudulent information from my credit file. 

I have attached the Police Report, my credit reports ( With the Fraudulent information highlighted in yellow on the Equifax Report ), and proof of my identity to this inquiry. 

Please do not hesitate to ask me for any additional information that could be of use to you. 




Sincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: CA

Complaint narrative:
I appreciate you making the effort to update/remove and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). I'm hoping that these disputed items will be fixed/delete as soon as possible. 
XXXX XXXX Balance : {$290.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX 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 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: GA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-05-27 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent a letter on XXXX XXXX to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Bankruptcy U.S. Bankruptcy Court Reference XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00}

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 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a letter on XXXX XXXX to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Bankruptcy U.S. Bankruptcy Court Reference XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00}

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 2024-05-27 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX 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 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent a letter on XXXX XXXX to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Bankruptcy U.S. Bankruptcy Court Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
Attention : XXXX XXXX XXXX XXXX XXXX RENT RECOVERY SOLUTIONS LLC XXXX XXXX XXXX  As gathering evidence : : : :I am writing to formally file a complaint against Rent Recovery Solutions for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Despite my numerous attempts to resolve these issues directly, the company has continued to engage in deceptive, misleading, and oppressive practices. Below, I outline the specific FDCPA violations and the actions I intend to take : XXXX. Failure to Provide Validation Notice ( XXXX5 U.S.C. 1692g ) : Rent Recovery Solutions failed to send me a validation notice within XXXX days of their initial communication, as required by the FDCPA. This notice should have informed me of my right to dispute the debt within 30 days. Despite XXXX attempts to obtain this information, Rent Recovery Solutions has not complied. 
XXXX. False or Misleading Representations ( 15 U.S.C. 1692e ) : The company has falsely claimed that they are not a debt collector, despite engaging in debt collection activities. This misrepresentation is deceptive and misleading.

3. Harassment or Abuse ( 15 U.S.C. 1692d ) : By failing to follow the law and provide the required validation notice, Rent Recovery Solutions has engaged in behavior that I feel is oppressive, abusive, and has caused me harm. 

Additional Actions : I will be filing a complaint with the Attorney General of North Carolina and the Attorney General in the state where Rent Recovery Solutions is registered. 
I have already filed disputes with the major credit bureaus regarding the inaccurate and unvalidated debt information reported by Rent Recovery Solutions. 

Final Notice : This is my final notice to Rent Recovery Solutions to comply with the FDCPA. Ignorance of the law is not an excuse for non-compliance. I demand immediate proof that they sent me my rights to dispute the debt within XXXX days of the first communication, as mandated by law. 

Failure to address these violations promptly will result in further legal action, including but not limited to filing a lawsuit for statutory and actual damages, as well as attorney fees and costs. 

Thank you for your attention to this serious matter. I look forward to your prompt and thorough investigation into these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-27 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: FL

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-05-27 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-27 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief