vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally complain about a persistent issue related to inaccurate information on my credit report. I have made several attempts to rectify this matter, but it has not been resolved satisfactorily. The issue in question pertains to a late open account that has been erroneously reported on my credit report. This account, as reported, is inaccurate and has been negatively impacting my credit score. I have taken the following steps to address this issue : Subsequently, I contacted your bureau to dispute the account 's accuracy and request its removal or correction. I provided all the necessary documentation to support my dispute. Despite my initial dispute, the inaccurate account remains on my credit report, and it continues to have a detrimental effect on my creditworthiness. I made additional attempts to contact your bureau to follow up on my dispute, but the issue remains unresolved. I understand the importance of accurate credit reporting and its impact on an individual 's financial well-being. The inaccurate reporting of this late open account is unjust and damaging to my credit profile, making it challenging for me to obtain credit and financial opportunities that I am entitled to. I kindly request that you promptly investigate and correct this matter by removing the inaccurate late open account from my credit report. It is crucial that my credit report accurately reflects my financial history and responsibility. Please provide a written response within 30 days of receiving this letter, as required by the Fair Credit Reporting Act ( FCRA ). In your response, kindly inform me of the actions you have taken to address this issue, as well as any changes made to my credit report. If this matter is not resolved to my satisfaction within 30 days, I may be compelled to escalate my complaint to the appropriate regulatory authorities and seek legal remedies. I have enclosed copies of the relevant documents, including my credit report with the inaccurate information highlighted, as well as proof of previous disputes and communications. This late open account should be corrected by the credit bureaus immediately : XXXX XXXX XXXX Balance : {$0.00}.

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 2023-09-16 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: WI

Complaint narrative:
This my Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-16 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: GA

Complaint narrative:
I am writing to formally complain about a persistent issue related to inaccurate information on my credit report. I have made several attempts to rectify this matter, but it has not been resolved satisfactorily. The issue in question pertains to a late open account that has been erroneously reported on my credit report. This account, as reported, is inaccurate and has been negatively impacting my credit score. I have taken the following steps to address this issue : Subsequently, I contacted your bureau to dispute the account 's accuracy and request its removal or correction. I provided all the necessary documentation to support my dispute. Despite my initial dispute, the inaccurate account remains on my credit report, and it continues to have a detrimental effect on my creditworthiness. I made additional attempts to contact your bureau to follow up on my dispute, but the issue remains unresolved. I understand the importance of accurate credit reporting and its impact on an individual 's financial well-being. The inaccurate reporting of this late open account is unjust and damaging to my credit profile, making it challenging for me to obtain credit and financial opportunities that I am entitled to. I kindly request that you promptly investigate and correct this matter by removing the inaccurate late open account from my credit report. It is crucial that my credit report accurately reflects my financial history and responsibility. Please provide a written response within 30 days of receiving this letter, as required by the Fair Credit Reporting Act ( FCRA ). In your response, kindly inform me of the actions you have taken to address this issue, as well as any changes made to my credit report. If this matter is not resolved to my satisfaction within 30 days, I may be compelled to escalate my complaint to the appropriate regulatory authorities and seek legal remedies. I have enclosed copies of the relevant documents, including my credit report with the inaccurate information highlighted, as well as proof of previous disputes and communications. This late open account should be corrected by the credit bureaus immediately : XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding my persistent and unsuccessful attempts to dispute fraudulent items on my credit report. Despite numerous efforts, these inaccuracies persist, adversely affecting my creditworthiness. 

The fraudulent items I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have taken the following actions to address this issue : I initiated my first dispute with your bureau, providing all the necessary documentation to support my claims, including detailed explanations of the fraudulent nature of these items. 

Subsequently, I followed up to check on the status of my dispute and request updates on the investigation. 

Despite my repeated attempts to rectify this situation, the fraudulent items remain on my credit report, causing severe financial distress and harming my creditworthiness. 

The Fair Credit Reporting Act ( FCRA ) mandates the accurate reporting of consumer credit information. It is of utmost importance that my credit report reflects my financial history accurately and that these fraudulent entries are promptly removed. 

I kindly request that you take immediate action to investigate and resolve this issue by removing the fraudulent items from my credit report. Timely resolution of this matter is crucial for my financial stability. Failure to address this issue within the specified time frame may compel me to escalate my complaint to regulatory authorities and seek legal remedies. 

Enclosed with this letter are copies of the relevant documents, including previous dispute correspondence, supporting evidence, and any additional documentation requested during previous disputes.

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 2023-09-16 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: SC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance 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 2023-09-16 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: TX

Complaint narrative:
The accounts listed here were opened without my knowledge or consent. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: IL

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-16 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: TX

Complaint narrative:
I reside in the state of Texas and have lived in Texas my entire life. 
On XX/XX/2023 I received a notification about a new account that was opened through XXXX XXXX and Experian. In early XX/XX/2023 my wallet was stolen. Inside my wallet was my drivers license and social security card, along with other identifying information. I contacted Experian and inquired on the new account and was informed that it was a bank account along with a " secured '' credit card. The account was opened and created in the state of North Carolina. 
I contacted the bank and advised them that my identity had been stolen and that I live in the state of Texas, not in North Carolina. The company informed me that they would close the account, which they never did.

I have disputed this account through Experian three times and have submitted police reports from Texas and North Carolina, FTC Report ( FTC Report Number : XXXX ), IRS Identity Theft Affidavit ( XXXX XXXX XXXX ), along with my personal identifying information and they persist that the account was verified and belongs to me, which it doesn't. 
I am a victim of identity theft. This is an on going investigation. For more information on the police report, please contact XXXX XXXX XXXX Department in North Carolina at ( XXXX ) XXXX, speak to Detective XXXX XXXX at ( XXXX ) XXXX, reference Case # XXXX. You can also contact XXXX Police Department in XXXX Texas, speak to XXXX XXXX at ( XXXX ) XXXX, reference Case # XXXX ( identity theft ) and Case # XXXX ( stolen property ). 
I am pleading for some additional assistance with this matter. This bank account does not belong to me and never has. I have lived in Texas my entire life. My identity has been stolen and the people using my information live in North Carolina and have used my information before to reside in three different addresses and Experian has not verified the information before and simply adds the information. They have also used my information to obtain a phone through XXXX XXXX, which is also being disputed. Please help!

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 2023-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I am submitting a formal complaint against American Express Arbitration : I opt out of all arbitration clauses linked to my account.

Security Interest : I rescind all security interests tied to my account.

Notice : This serves as formal notice of the above requests. 

I expect these terms to be adjusted respecting my consumer rights. Please acknowledge receipt and advise on next steps. 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 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: TN

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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX has violated my rights.

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 non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I am going through a refinance loan and have had the most horrible incident involving a 3rd party that one of the loan companies hired. 

XXXX, I went to RocketMortgage for the loan and all was ok, they arranged for a local appraiser service to come to my home for appraisal and that seemed to go fine. 

But in my shopping loan terms found someone else that could give me a better rate ( XXXX XXXX  ). So, I had XXXX transfer the information to XXXX XXXX  ( all was fine until ) The appraisal provided, contained multiple errors that needed correcting. 
I attempted to contact the Appraiser from the licensing information on the appraisal submitted. 
The contact email : XXXX keeps returning as undeliverable The phone number provided, when called, goes to generic VM When texting the number, it resulted in some XXXX, XXXX, and just plain XXXX  returned texts In my disbelief of the transmissions, I involved my new loan company to try to obtain what was required from the Assessor. 
My loan officer called the number and when she asked was this the number for the Assessment service, they responded yes. Was this the number for XXXX XXXX XXXX, they responded yes then hung up. 
We called back and it again went to VM with no return call If it werent for the texts I received ( attached ), I wouldnt mind much for the lack of service, but the texts to/from a business whose personnel were in my house, its downright scary. 

I am attaching the text conversation ( please understand this is not my language ), but need to share my concerns and pursue legal action as this has caused me precious time ( loss of a real estate deal ) and now I have let these kind of people in my home? And now am forced to pay $ XXXX to get another appraisal. 

What legal recourse do I have?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
got judgement from me by check garnishment from my job. thought it was paid in full. not heard from them in 9 months all of a sudden my bank account has been drained no contact from them in any way shape or form. now my bank account is frozen and i have no money to cover my bills and no warnings once so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
I had a large amount hit collections for medical debt. I called the collection agency- they said XXXX send me paperwork. I never received paperwork. I called my insurance company- they said absolutely Im covered and shouldnt have any debt. I called the hospital that supposedly sent my account to collections. They told me IMMEDIATELY that some sort of mistake was made, and that they will have the collection agency delete the collections off of my account immediately. My biggest issue with this is, 1. ) I disputed this account MULTIPLE times and it came back as all good thats a huge violation 2. ) Even once they delete this off my credit, it wont fall off until next credit cycle. So my credit will remain affected for even LONGER- when it should have never been affected at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: IN

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX  XXXX ( XXXX ), Account name : XXXX Originals ( XXXX ), Account name : XXXX XXXX ( XXXX ). However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief