vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 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: FL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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 2024-08-02 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: FL

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a formal and urgent complaint against XXXX XXXX for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their gross negligence in failing to validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has not only severely damaged my credit score but has also wreaked havoc on my financial standing. This egregious act has caused me significant hardship, including difficulties in obtaining credit, exorbitantly high-interest rates, and immeasurable stress and frustration. The reckless and irresponsible behavior of XXXX XXXX has inflicted undue harm on my financial reputation and stability. XXXX XXXX XXXX XXXX XXXX : {$1000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: FL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: FL

Complaint narrative:
I am filing an urgent complaint against XXXX XXXX for their clear disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The inaccurate and unverified account reported by XXXX XXXX has significantly damaged my credit score and financial standing. This has led to considerable hardship, including challenges in obtaining credit, increased interest rates, and substantial stress. The actions of XXXX XXXX have caused undue harm to my financial reputation and stability. XXXX XXXX XXXX Balance Owed : {$410.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

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 2024-08-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the

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 2024-08-02 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: FL

Complaint narrative:
I am filing an urgent complaint against XXXX XXXX for their clear disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The inaccurate and unverified account reported by XXXX XXXX has significantly damaged my credit score and financial standing. This has led to considerable hardship, including challenges in obtaining credit, increased interest rates, and substantial stress. The actions of XXXX XXXX have caused undue harm to my financial reputation and stability. XXXX XXXX XXXXXXXX Balance Owed : {$4200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: WI

Complaint narrative:
This account is inaccurate and needs to be removed from my report. Any and all accounts with inaccurate info has to be removed. Please remove this from my credit report. Any accounts not removed after being reported as not accurate is eligible for lawsuit. I will file. The address and the phone number is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Date of first delinquency XXXX of 2017. This debt is WELL PAST the 7 years. However, XXXXXXXX XXXX  seems intent on updating it every month despite this which is not only illegal, but it is destroying my ability to purchase property. I have called XXXX XXXX  on numerous occasions and they have responded with threats to my credit unless I pay EVEN THOUGH IT IS PAST THE SEVEN YEARS they refuse to stop updating it every single month. ACCORDING TO LAW IT NEEDS TO BE REMOVED FROM MY CREDIT REPORTS IN FULL yet they are refusing too. This is punitive.

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: NY

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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 2024-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update on the payment history. A charged-off account should NOT include an active payment history. This is inaccurate information that falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: CA

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update on the payment history. A charged-off account should NOT include an active payment history. This is inaccurate information that falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a formal and urgent complaint against XXXX XXXX XXXX for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their gross negligence in failing to validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has not only severely damaged my credit score but has also wreaked havoc on my financial standing. This egregious act has caused me significant hardship, including difficulties in obtaining credit, exorbitantly high-interest rates, and immeasurable stress and frustration. The reckless and irresponsible behavior of XXXX XXXX XXXX has inflicted undue harm on my financial reputation and stability. XXXX XXXX XXXX XXXX : {$1500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: NY

Complaint narrative:
XX/XX/XXXX, I rented a vehicle from XXXX rental car and my chime credit builder card ending XXXX was swiped ( pre authorized : charged ) for XXXX. That was for deposit and rental period, which can be changed at the end of the rental to a different card. 

When the vehicle was returned the charges were put on another card not related to my chime account at all. The vehicle was returned on XX/XX/year>, and the deposit hold on the credit builder card should have been released. 

The XXXX location made a mistake I assume by charging my credit builder card XXXX without my permission. Keep in mind they only had an authorization on that card for XXXX so how they forced thru a charge of XXXX especially with the funds not being available is concerning. This unauthorized fraudulent action by XXXX has placed me in great hardship and I need it resolved immediately. I provided chime with a copy of the finally receipt printed directly off XXXX website that clearly shows no charges to the chime card and my rental was charged to another card and closed out. 

No charges whatsoever should be on my chime credit builder account. I am attaching the response I got from chime and all evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: FL

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent 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 2024-08-02 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: FL

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent 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 2024-08-02 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: SC

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding several issues with my credit report that involve violations of the Fair Credit Reporting Act ( FCRA ), Consumer Protection Act, and Privacy Act. The details are as follows : 1. **Charge-Off Accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has charged off accounts that were subsequently sold to third-party debt collectors. Despite this, the charge-off accounts are inaccurately reported on my credit reports.

2. **Inaccurate Reporting and Lack of Investigation : ** - I have disputed these inaccuracies with XXXX, Equifax XXXX and XXXX. Although Equifax and XXXX have removed the inaccurate collection accounts ( XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX ), XXXX has failed to properly investigate these disputes and continues to report the inaccurate information. 
- The investigation and removal request with XXXX have exceeded 90 days, and there has been no resolution. This delay and the continued reporting of incorrect information are in violation of the FCRA. 

XXXX. **Emotional and Physical Impact : ** - The ongoing inaccuracies and delays in resolving these issues have caused significant emotional, mental, and physical distress. The erroneous information on my credit report is affecting my well-being and financial stability. 

I request your assistance in addressing these issues urgently and ensuring that my credit report accurately reflects my financial situation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: SC

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding several issues with my credit report that involve violations of the Fair Credit Reporting Act ( FCRA ), Consumer Protection Act, and Privacy Act. The details are as follows : 1. **Charge-Off Accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has charged off accounts that were subsequently sold to third-party debt collectors. Despite this, the charge-off accounts are inaccurately reported on my credit reports.

2. **Inaccurate Reporting and Lack of Investigation : ** - I have disputed these inaccuracies with XXXX, XXXX XXXX and Experian. Although XXXX and Experian have removed the inaccurate collection accounts ( XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX ), XXXX has failed to properly investigate these disputes and continues to report the inaccurate information. 
- The investigation and removal request with XXXX have exceeded 90 days, and there has been no resolution. This delay and the continued reporting of incorrect information are in violation of the FCRA. 

XXXX. **Emotional and Physical Impact : ** - The ongoing inaccuracies and delays in resolving these issues have caused significant emotional, mental, and physical distress. The erroneous information on my credit report is affecting my well-being and financial stability. 

I request your assistance in addressing these issues urgently and ensuring that my credit report accurately reflects my financial situation

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 2024-08-02 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: FL

Complaint narrative:
I am filing a formal and urgent complaint against XXXX XXXX XXXX for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their gross negligence in failing to validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has not only severely damaged my credit score but has also wreaked havoc on my financial standing. This egregious act has caused me significant hardship, including difficulties in obtaining credit, exorbitantly high-interest rates, and immeasurable stress and frustration. The reckless and irresponsible behavior of XXXX XXXX XXXX has inflicted undue harm on my financial reputation and stability. XXXX XXXX XXXX XXXX Balance Owed : {$1500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-02 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: FL

Complaint narrative:
I am filing a formal and urgent complaint against XXXX XXXX XXXX for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their gross negligence in failing to validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has not only severely damaged my credit score but has also wreaked havoc on my financial standing. This egregious act has caused me significant hardship, including difficulties in obtaining credit, exorbitantly high-interest rates, and immeasurable stress and frustration. The reckless and irresponsible behavior of XXXX XXXX XXXX has inflicted undue harm on my financial reputation and stability.

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 2024-08-02 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I have contacted FCO several times in regards to a debt that they are reporting to my credit report in which I have stated is a result of identity theft. They requested I send in documentation such as an identity theft affidavit as well as my ID and proof of residency for the timeframe requested. I gathered all the necessary documentation and submitted it to them as requested. Not only did they take well over 30 days to process my dispute but they continued to report it without verifying if it was factual which is a direct violation of the FCRA. It has now been over 6 months and they are still requesting payments and more documents after receiving all of the requested identity theft documentation.

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 2024-08-02 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: PA

Complaint narrative:
On XX/XX/year> I sent a dispute letter to the bureaus pertaining to the inaccuracies that are listed in collection on my credit report and after 30 plus day investigation everything came back verified. But when I went to check my credit report everything was still the same with opening and closing dates still not matching 4 to 5 different name variation spelling of my first and last name etc. I sent out second round of letters disputing inaccuracies again using more laws to back up the previous one. 

I HAVE ALSO MAILDED OUT VAILD DOCUMENTS SO THEY VERIFY THAT IT IS ME I WILL LIST THEM BELOW : SSI : DRIVERS LICENSE : TWO COPIES OF BILLS WITH CURRENT ADDRESS ALL VERY CLEAR IMAGES AND READABLE BUT THEY AND SAY THAT I DID NOT

Company response to consumer: Closed with explanation