vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-26 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: CA

Complaint narrative:
I am writing to express my concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address these disputed accounts, I have yet to see any resolution or corrective action. These errors are significantly damaging my credit file and adversely affecting my life. 

The inaccuracies in my credit report are causing immense hardships, and I am pleading for your immediate assistance in rectifying this situation. I kindly request a thorough investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2024-07-26 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: AL

Complaint narrative:
I recently reviewed my credit report and noticed inaccuracies in the reporting of an account with the same bank. It incorrectly shows a late payment for XX/XX/year> on XXXX accounts, which were actually paid on time. 

Consumer reporting agencies are required to ensure the accuracy of all reported information. This account has never had late payments, as evidenced by the attached report. 

I request a thorough investigation into this matter and verifiable proof showing that these payments were late. If this can not be verified, I demand that the records be updated to reflect the on-time payments immediately. 

Thank you for your prompt attention and understanding.

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 2024-07-26 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: NCB Management Services Inc.
State: GA

Complaint narrative:
Re : Urgent Third Complaint Against NCB Management Services Request for Immediate Deletion of Inaccurate Debt I am writing to file my third complaint against NCB Management Services regarding an inaccurately reported debt entry on XXXX credit report. Despite my previous complaints and the CFPBs involvement, the inaccuracies remain unresolved. I am requesting the immediate deletion of this erroneous entry. 

Backgroundd of Previous Complaints : Initial Complaint ( XXXX XXXX. XXXX ) : Date Filed : XX/XX/XXXX Issue : Auto debt and written notification about the debt Status : Closed, company responded Details : Requested verification of the debt ; however, the details provided were inaccurate. 
Second Complaint ( XXXX XXXX. XXXX ) : Date Filed : XX/XX/XXXX Issue : Credit reporting and improper use of report Status : Closed, company responded Details : Highlighted that the verified debt was inaccurate, showing improper use of my credit report. 
Current Issue : Despite the CFPBs intervention and my previous complaints, NCB Management Services has failed to correct the inaccuracies. This violation contravenes the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which ensures consumers ' right to dispute and correct incorrect information on their credit reports. 

Evidence of Inaccuracies : Account Type Discrepancies : XXXX : Listed as an " Open Account. '' XXXX : Listed as a " XXXX XXXX. '' XXXX : Listed as an " XXXX Account. '' Under 15 U.S.C. 1681e ( b ), furnishers must provide accurate information. The differing account types reported by each bureau signal potential inaccuracies that need thorough investigation. 
Frequency of Updates : XXXX : Updated monthly. 
XXXX : Reporting collections monthly since XX/XX/XXXX. 
XXXX : No updates for the past XXXX years. 
According to 15 U.S.C. 1681i, outdated or inconsistent reporting suggests inaccuracies. The irregular update frequency further implies that the reported information may be incorrect.

Request for Immediate Deletion : DDue to the ongoing inaccuracies and violations of FCRA provisions, I respectfully request the immediate removal of this inaccurate debt entry from my credit report. The continued presence of this erroneous information constitutes a violation of the FCRA 's accuracy and completeness requirements. 

Supporting Documentation : Enclosed are copies of all relevant documentation, including prior complaint correspondence and evidence demonstratingg the inaccuracies. 

Conclusion : I urge the CFPB to take urgent action to ensure NCB Management Services promptly removes this incorrect entry from my credit report. Your immediate attention to this matter is crucial, and I look forward to a swift resolution. 

Thanks you for your urgent attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. I have no binding agreement with your company. No consent is Identity theft. I am currently pending litigation seeking relief and monetary compensation under FCRA 15 U.S. Code 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), and 15 U.S. Code 1692k ( Civil liability ). Enclosed with this letter is the true bill documenting the violation of the following accounts. Furthermore, you failed to validate this debt. The original creditor stated that they have no record of this information. As a consumer by law this account must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Enclosed with this complaint is the true bill documenting the violation of the following account. Remove this account from my credit report : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
have hard inquires for morgage loans im not aware of. i recently came home from incarceration and have no idea of this and rewcently obtaining important docs XXXX XXXX XX/XX/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 2024-07-26 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: NY

Complaint narrative:
have hard inquires for morgage loans im not aware of. i recently came home from incarceration and have no idea of this and rewcently obtaining important docs XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
have hard inquires for morgage loans im not aware of. i recently came home from XXXX and have no idea of this and rewcently obtaining important docs 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 2024-07-26 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:
I reviewed my consumer reports and noticed I had five late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included on the attached screenshot. Inside this complaint reports the following dates of XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, & XX/XX/22. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-07-26 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: TX

Complaint narrative:
i do not recognize the negative accounts appearing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: CBC Companies, Inc.
State: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and by someone I trusted to do my credit repair, whose name is XXXX XXXX XXXX. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed EXPEDITIOUSLY!!!!

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 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is willfully in violation of the Fair Credit Reporting Act ( FCRA ). In conjunction with an earlier complaint ( CFPB Complaint ID : XXXX ) to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX refuses to report accurate account status and balance information to credit reporting agencies, specifically Experian. 

In their response to CFPB Complaint ID : XXXX on the XXXX of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX claims that their office is still looking into this matter ; however, their claims is inconsistent with the facts : 1. A signed statement from a XXXX XXXX XXXX XXXX XXXX retail branch manager, XXXX XXXX, on the XXXX of XX/XX/XXXX details the transaction that paid the loan in question, including a statement transaction from XXXX to present. 

2. A collection agency called : XXXXXXXX XXXX XXXX XXXXXXXX, which was hired by XXXX XXXX XXXX XXXX XXXX to manage the same account reported the account is paid and the balance is {$0.00} on or before the XXXX of XX/XX/XXXX - XXXX days before XXXX XXXX XXXX XXXX XXXX responded to CFPB that their office is looking into it. 

Note : a separate complaint was filed against XXXX XXXX XXXX XXXX  with the Washington State Department of Licensing in order to force compliance from XXXX XXXX XXXX XXXXXXXX to accurately report account status and balance information in a timely manner. 

XXXX. XXXX updated the same account information on the XXXX of XX/XX/XXXX. 

XXXX. On the XXXX of XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX reported to Experian that the account in question was unpaid, and the balance remained {$3100.00}. A copy of that dispute report is included here for reference. 

Altogether, this clearly proves that XXXX XXXX XXXX XXXX XXXX is willfully violating the Fair Credit Reporting Act ( FCRA ).

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 2024-07-26 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally file a complaint against TransUnion for maintaining inaccurate address information on my credit report. Despite multiple attempts to correct these errors I have provided TransUnion with : Proof of identity Proof of address A copy of my credit report highlighting the incorrect addresses Despite providing the necessary documentation, these inaccuracies remain unresolved. I request that the CFPB intervene to ensure TransUnion investigates this matter and updates my credit report to reflect my correct address. Please confirm in writing that these corrections have been made and provide an updated copy of my credit report once the changes are completed. 

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
Consumer complaint received 2024-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: DC

Complaint narrative:
On XX/XX/XXXX, my student loans were transferred from Edfinancial to XXXX. In XX/XX/XXXX, Edfinancial also withdrew XXXX {$660.00} student loan payments from my bank account. The first payment was withdrawn on XX/XX/XXXX, and the second was withdrawn on XX/XX/XXXX. The XX/XX/XXXX payment was credited to my student loan balance ( e.g., my balance decreased by {$660.00} ). The XX/XX/XXXX payment was not credited to my student loan balance ( e.g., my student loan balance remained unchanged ). I assume this is because Edfinancial was no longer servicing my loans on XX/XX/XXXX, as they had been transferred to XXXX the day before. I contacted Edfinancial about the XX/XX/XXXX payment on or around XX/XX/XXXX. The representative I spoke with agreed with me that my XX/XX/XXXX payment had not been credited to my student loans and that I was entitled to a refund. They advised me they would submit a request to Edfinancial 's " Finance Team '' and also advised me to fax Edfinancial my bank statement showing both XXXX withdrawls ( that document, which I faxed to Edfinancial on XX/XX/XXXX, is attached to this complaint ). The representative also advised me to wait to be contacted by Edfinancial 's Finance Team. I have not been contacted by the Finance Team. Today ( XX/XX/XXXX ), I contacted Edfinancial 's customer service to check on the status of this issue. I was told that my request was still pending with the XXXX XXXX, that the XXXX XXXX was still dealing with issues from XXXX and XXXX, and that there was no timeline for my issue being addressed or resolved. I was further told there were no actions I could take, and no one I could contact, until the XXXX XXXX took up my issue and contacted me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: IN

Complaint narrative:
Unauthorized inquiries have been identified on my credit report

Company response to consumer: Closed with non-monetary relief