vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-10 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: IL

Complaint narrative:
I am writing to formally request an investigation into several inaccuracies on my credit report. On multiple occasions, I have disputed the erroneous accounts listed on my report and have requested thorough investigations, but I have yet to receive a satisfactory resolution. 

The presence of these incorrect accounts is causing significant damage to my credit file and adversely impacting my financial health and overall quality of life. These issues have resulted in numerous hardships, and despite my continued efforts to rectify them, no corrective action has been taken. 

I am now requesting your urgent assistance in conducting a detailed investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to ensure the accuracy of my credit report and to update the information accordingly without further delay. 

Please treat this matter with the utmost priority, as restoring the integrity of my credit file is essential for me to regain control of my financial standing. Your prompt action and cooperation in resolving this issue will be greatly appreciated. 

Thank you for your attention to this matter, and I look forward to your swift 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 2024-10-10 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: CO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: CO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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.

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 explanation
Consumer complaint received 2024-10-10 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: IN

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TX

Complaint narrative:
I signed a lease to live at Seasons of XXXX XXXX XXXX  in XXXX XXXX, TX from XXXX XXXX XX/XX/XXXX. My initial lease was up XX/XX/XXXX and I opted in for a XXXX lease that would take me through XX/XX/XXXX. The lease was not provided to my until Late XXXX after I paid my initial rent on XX/XX/XXXX. The lease documentation also does not shows incorrect dates of execution and move out dates. I moved into my new complex in XXXX, TX with seemingly no issues. The keys were mailed to XXXX at XXXX XXXX via XXXX and I did a walk thru clean up. I have never left any of my apartments dirty or less than. Now over 6 years later I am informed that an eviction as well as a collection account with XXXX which was filed XX/XX/XXXX and submitted to XXXX XXXX XXXX. I was already in my new apartment and unaware of any notices or wrong doing prior to my move out. This information has been placed on my Credit report and is negatively impacting my ability to secure housing. I have my lease start date with my new complex to prove I was no longer living there as well as no negative info was provided to my new complex or me during that initial new tenant screening. The files were tampered with and this is fraud.

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

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: NC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I can access my Equifax report. When I applied for a line of credit from my credit union, XXXX XXXX, and it requested a report, the report showed my score as XXXX. It is actually above XXXX. Equifax told the lender I had no credit line. 

I spoke twice to Equifax, which told me : 1. there was no problem with my account 2. they refused to take the case no. XXXX provided me 3. they refused to escalate the problem. 

The lender told me that in extensive discussion with Equifax no explanation or resolution was provided. My application was denied, and I was forced to go to another lender with higher rates, which used XXXX XXXX 

Equifax was completely unhelpful.

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

Complaint narrative:
I noticed three different XXXX XXXX XXXX accounts reporting on my credit report about a year ago. All three of these accounts has misinformation being reported so I disputed with the three credit reporting agencies. The credit reporting agencies never responded to me however, I do monitor my credit and nothing changed, all three account were still not reporting correctly. So, I decided to send a letter to XXXX XXXX XXXX asking them to correct, complete, and verify what they're reporting for all three accounts on XX/XX/XXXX. I did not get a response from them either so I sent another letter asking them why they did not respond and that they're verifying inaccurate information on these three accounts on my credit report on XX/XX/XXXXXXXX I still did not get a response so I decided that I was going to continue to send them letters until they responded. I sent letters asking them to fix the errors that they continue to verify on these three accounts with the credit reporting agencies. I sent letters every couple months XXXX XXXX XXXX XXXXXX/XX/XXXX and finally on XX/XX/XXXX which they finally responded to on XXXX They ignored me for a whole year and then finally responded within 3 days! now, I'm disputing three different accounts and I've been sending three different letters every time but in this response they don't acknowledge which account they replying to, just that they reviewed my letters and needed more information to investigate. They asked for a " specific '' complaint and a " specific item ''. In all three letters I provided everything, the account numbers they're reporting, the misinformation they're reporting and verifying, and every letter I've sent has been very specific and detailed with all the information required for them to investigate. Then they went on to say my letter was " frivolous and irrelevant. '' And if that wasn't enough, after ignoring me for a year, finally responding that the didn't have enough information which they do, they ended their letter telling me that they were going to charge me " {$30.00} per our to research my information '' and charge me a " {$25.00} hourly reconciliation fee '' for me asking them to correct the errors they're reporting and verifying with the credit reporting agencies. I don't see anywhere on the CFPB website or online that companies can charge the consumers who ask for compliance with the Fair Credit Reporting Act. To me this sounds illegal and violates my rights as a consumer and that's why I'm filing this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: OK

Complaint narrative:
I noticed three different XXXX XXXX XXXX accounts reporting on my credit report about a year ago. All three of these accounts has misinformation being reported so I disputed with the three credit reporting agencies. The credit reporting agencies never responded to me however, I do monitor my credit and nothing changed, all three account were still not reporting correctly. So, I decided to send a letter to XXXX XXXX XXXX asking them to correct, complete, and verify what they're reporting for all three accounts on XXXXXX/XX/XXXX. I did not get a response from them either so I sent another letter asking them why they did not respond and that they're verifying inaccurate information on these three accounts on my credit report on XX/XX/XXXXXXXX I still did not get a response so I decided that I was going to continue to send them letters until they responded. I sent letters asking them to fix the errors that they continue to verify on these three accounts with the credit reporting agencies. I sent letters every couple months XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX and finally on XX/XX/XXXX which they finally responded to on XX/XX/XXXX. They ignored me for a whole year and then finally responded within 3 days! now, I'm disputing three different accounts and I've been sending three different letters every time but in this response they don't acknowledge which account they replying to, just that they reviewed my letters and needed more information to investigate. They asked for a " specific '' complaint and a " specific item ''. In all three letters I provided everything, the account numbers they're reporting, the misinformation they're reporting and verifying, and every letter I've sent has been very specific and detailed with all the information required for them to investigate. Then they went on to say my letter was " frivolous and irrelevant. '' And if that wasn't enough, after ignoring me for a year, finally responding that the didn't have enough information which they do, they ended their letter telling me that they were going to charge me " {$30.00} per our to research my information '' and charge me a " {$25.00} hourly reconciliation fee '' for me asking them to correct the errors they're reporting and verifying with the credit reporting agencies. I don't see anywhere on the CFPB website or online that companies can charge the consumers who ask for compliance with the Fair Credit Reporting Act. To me this sounds illegal and violates my rights as a consumer and that's why I'm filing this complaint.

Company response to consumer: Closed with explanation