vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: SC

Complaint narrative:
On XX/XX/year>, I received an email from Experian regarding disputes I initiated about two alleged repossession accounts listed on my credit report : XXXX XXXX and XXXX XXXX. Shortly thereafter, I received a letter from Experian stating that they believed my dispute correspondence was not legitimate. The letter requested that I verify my identity by either calling or writing to them. 
I promptly called Experian on the same day, XX/XX/XXXX, to confirm my identity. The representative I spoke to assured me that my disputes were still under investigation. I received a confirmation number for this call : # XXXX. However, the following day, XX/XX/XXXX, I was notified that my disputes had been finalized. 
The timeframe between my confirmation call and the dispute resolution is extremely short, raising concerns about whether a thorough and accurate investigation was conducted. I was not informed of the specific steps Experian took to investigate my disputes, nor who they contacted to validate the accounts. Experian has not provided any documentation or evidence to support the continued reporting of these accounts. The initial letter questioning the authenticity of my dispute appears to be a stall tactic, designed to delay resolution and potentially hinder my ability to ensure my credit report is fair and accurate. 

Experians handling of my disputes appears to violate multiple sections of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 1. Section 611 ( 15 U.S.C. 1681i ) Procedures in Case of Disputed Accuracy : Subsection ( a ) ( 1 ) ( A ) : Requires credit reporting agencies to conduct a reasonable investigation of disputed items. 
Subsection ( a ) ( 5 ) : Mandates the deletion or modification of information that can not be verified.

2. Section 609 ( 15 U.S.C. 1681g ) Disclosures to Consumers : Subsection ( a ) ( 1 ) : Entitles consumers to see the information in their credit file. 
Subsection ( a ) ( 2 ) : Requires the disclosure of the sources of information reported on the consumers file.

3. Section 623 ( 15 U.S.C. 1681s-2 ) Responsibilities of Furnishers of Information : Mandates that information provided by furnishers ( in this case, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) must be accurate and verifiable. 

Experians handling of this matter undermines my right to a fair and accurate credit report, as guaranteed by the FCRA. Their failure to provide sufficient documentation, conduct a reasonable investigation or ensure the accuracy of the reported information is a clear violation of federal law. 
I seek the CFPBs assistance in ensuring Experian complies with its legal obligations under the 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 non-monetary relief
Consumer complaint received 2024-12-02 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: Early Warning Services, LLC
State: MA

Complaint narrative:
I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where XXXX XXXX XXXX XXXX  I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents 15 days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. 

Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. 

This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts Consumer Protection Act, M.G.L. c. 93A, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. 

Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity. 

I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Massachusetts Attorney General 's Office, and pursuing legal action under applicable state and federal laws. 

I look forward to your prompt attention to this matter and expect a response within 15 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
Hello to whom it may concern. I XXXX XXXX received a car loan from WestLake Financial. I did the payoff and then I tried to receive a new car loan or bank loan to see what I was offered. The problem is that nobody is seeing at my credit history the loan I received from WestLake Financial. Not even the companies XXXX XXXX and XXXX. I did a claim on this but I guess it was on the wrong department! 
The account number was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NY

Complaint narrative:
To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX Email- XXXX Phone - XXXX DOB- XX/XX/XXXX Address - XXXX XXXX XXXX XXXX XXXX Ny XXXX XXXX XXXX Accounts that need to be removed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq. 
Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX Email- XXXX Phone - XXXX DOB- XX/XX/XXXX Address - XXXX XXXX XXXX XXXX XXXX Ny XXXX XXXX XXXX Accounts that need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
I am writing to express my concerns regarding several issues Ive encountered with the credit bureau. These issues include incorrect account listings, unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and accounts that do not belong to me. 

I would appreciate assistance in resolving these matters to help ensure my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-02 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: CA

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft stemming from a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following unauthorized inquiries from my credit report. These inquiries were made without my knowledge or consent and are causing harm to my credit profile. 
Unauthorized 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

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 2024-12-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I was looking for a internet service that didn't require any installation so I reviewed XXXX 's solution so I signed up with no contract. They sent their equipment only to find out that I need existing internet service and they were only offering streaming services. I called them immediately and arranged to return their equipment without activation. They agreed and sent me the returned label. I literally shipped it back the next day. I was assured that I would not get billed since I didn't use their service. I then signed up for XXXX XXXX XXXX XXXX XXXX. Several weeks later I get a bill in the mail from XXXX. I then call again speak to a woman who assured me that bill would be reversed. A month later, I received yet another invoice claiming I'm now XXXX  days late. I speak to someone in their chat support who just ghosted me on chat and never answered and never closed the chat. Now they sent it to collections. Who in their right mind would pay internet service from one company and pay another ISP company for streaming content. It doesn't make sense. Anyone can stream independently if they have internet service. I do not owe {$45.00} because it was misleading, no contract and I never activated their equipment and used their streaming services. I have spend close to XXXX hours on the phone or chat with Xfinity support representatives only to be lied to and ignored regarding this matter. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capitalone offered Savor card with 15 months 0 % balance interest and {$200.00} for spending {$500.00} during 3 months. I fulfilled requirements but the bank refuses to pay bonus and charged interest! I got 0 % intro APR for the first month on purchases but then it changed with the second bill. I would not open a card with Capital one if I knew it. I dont open cards often and I am very selective. Its a false advertising!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NY

Complaint narrative:
I have repeatedly contacted your office about accounts in pending litigation that are inaccurately reported on my credit file. Each delay is worsening the impact on my credit, and I am done waiting.

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 2024-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: NJ

Complaint narrative:
Im XXXX XXXX XXXX. my mom received two collection debt letter but im sure its not me. I lived in XXXX for two years im work on the XXXX. The only XXXX  account what i have before is paid and close long time ago. I just have four account open and i dont have anything else. The send me a two letter with different amount with just days of difference. I will put part of my credit report with this report. I m attach the two debt letter what i received. This is not my.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: WI

Complaint narrative:
Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 16811 ( 5 ) of the Fair Credit Reporting Act Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$5200.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue

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 2024-12-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
A debt was sold to this company I do not owe them anything nor did I recieve a 1099 c for this debt .It is illegal to share my personal information without my permission to.Fair Credit Reporting Act ( FCRA ) Protects information collected by consumer reporting agencies, such as credit bureaus, and governs who can access it. The FCRA gives consumers the right to opt out of sharing their credit application information with affiliated companies. It also requires that consumers are notified if adverse action is taken against them based on information in their credit report. ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumers location. This debt needs to be taken off my credit report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief