vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 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: MI

Complaint narrative:
Dear CFPB, I am writing to express my deep concern and distress regarding the negative items on my credit report, which have significantly impacted my ability to secure stable housing and maintain a positive outlook on life. 

Over the past few years, I have struggled to overcome the challenges associated with these negative marks on my credit report. Despite my efforts to improve my financial situation, these derogatory items have made it nearly impossible for me to find suitable housing. Every time I apply for an apartment or a rental home, I am met with rejection due to my credit score, which is heavily burdened by these past issues. 

This situation has taken a toll on my mental health. The constant XXXX  and fear of not having a stable place to live have left me feeling increasingly XXXX I feel as though I am trapped in a cycle where no matter how hard I try, I can not escape the shadow of my past financial mistakes. The rejection letters and denials have left me feeling hopeless and defeated. 

What is most disheartening is that I am trying to rebuild my life. I have taken steps to improve my financial habits, and I am committed to working hard to regain control of my finances. However, the weight of these negative items continues to hold me back, making it difficult to move forward and achieve the stability I so desperately need. 

I am requesting your assistance in addressing these issues. I believe that some of the items on my credit report may be inaccurate or outdated, and I am seeking your help to investigate these matters. It is my hope that, with your support, I can begin to see a path forward that includes the opportunity for fair and equal access to housing. 

Thank you for your time and attention to this matter. I am grateful for any assistance you can provide. 

Sincerely, 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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Request for Deletion of Inaccurate Information I am writing to formally request the deletion of inaccurate information from my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, you are required to ensure the maximum accuracy of the information you report and to investigate disputes promptly. I have identified the following information as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent to you a copy of my drivers license with correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my only address. This address is where I receive legal mail. etc The other bureaus have my correct accurate address. please update immediately. The address you reported is incorrect, and despite my previous attempts to resolve this matter, the inaccuracies persist. These inaccuracies have caused significant disruption in my life and household, affecting my financial stability and well-being. In accordance with 1681e ( b ), which mandates that you use reasonable procedures to ensure MAXIMUM ACCURACY, and 1681i, which requires you to delete or correct information found to be inaccurate, I request that you immediately delete this account from my credit report. Please provide written confirmation once this account has been removed. Additionally, kindly update my credit report and inform me of any changes made. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: CA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid : XXXX XXXX XXXX {$660.00} XX/XX/year> In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-08-19 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:
This is my follow up request to formally dispute the inaccurate reporting of late payments on my XXXX account with account number : 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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
These three illegal collections are fraudulent and they need to be removed off my report. These three accounts are illegal and I've finally hired a credit specialist to remove these fraudulent items. Please remove these items off my credit report! Please!!!! I have XXXX inquiries on my credit file is locked on experian now please remove these last remaining fraudulent items PLEASE!!!!!!! 

XXXX XXXXXXXX XXXX {$13.00} Date Opened XX/XX/year> XXXX XXXX XXXX  XXXX {$150.00} Date Opened XX/XX/year> XXXX XXXX XXXX  {$57.00} Date Opened XX/XX/year> 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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
These three illegal collections are fraudulent and they need to be removed off my report. These three accounts are illegal and I've finally hired a credit specialist to remove these fraudulent items. Please remove these items off my credit report! Please!!!! I have XXXX inquiries on my credit file is locked on experian now please remove these last remaining fraudulent items PLEASE!!!!!!! 

XXXX XXXXXXXX XXXX {$13.00} Date Opened XX/XX/2020 XXXX XXXXXXXX XXXX XXXX {$150.00} Date Opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$57.00} Date Opened XX/XX/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 2024-08-19 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 have disputed this item with the credit reporting agency and they reported you confirmed the account as valid : XXXX XXXX XXXX {$660.00} XX/XX/2021 In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2024-08-19 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: CA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid : XXXX XXXX XXXX {$660.00} XX/XX/year> In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information? 
XXXX. What is your authorization of law for your collection of this alleged debt? 
XXXX. Please evidence your authorization to do business or operate in this state. 
XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2024-08-19 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.
State: OH

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-19 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: Bounce AI, Inc.
State: GA

Complaint narrative:
BOUNCE AI keeps reporting false information on my credit report after debt has been disputed multiple times, I have no contract with this company whatsoever. This company continues to violate my consumer rights per the FCRA, and this info is damaging my ability to obtain credit and have a better quality of life. Attached to this complaint will be the dispute letters that I have sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-08-19 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: GOLDMAN SACHS BANK USA
State: PR

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX ( XXXX ) due to concerns about their communication practices and the security of their unsubscribe process. 

On XX/XX/year>, at XXXX AM, I received an email from XXXX regarding an overdue payment of {$960.00} for account number XXXX. The email included a link to unsubscribe from future reminders. However, when I clicked on the unsubscribe link, I was redirected to a webpage that displayed a security warning indicating that the connection was not private and that the website might be attempting to steal my information. 

This raises serious concerns about the security and legitimacy of SSTs communication methods. As a consumer, I should be able to trust that any links provided in official communications are secure and do not pose a risk to my personal information. SSTs failure to ensure a safe unsubscribe process could potentially expose consumers to identity theft or other malicious activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These inquiries are fraudulent and were never authorized to be run on my credit report. Its the reason I've hired a credit specialist. Please remove all these illegal/fraudulent inquiries off my credit report. I never once authorized these illegal inquiries! 

XXXX XXXX XXXXXXXX ( Bank ) XX/XX/year> XXXX XXXXXXXX XXXX ( Bank ) XXXX XXXX, 2024 CB XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year>XXXX XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX BANK XXXX Bank ) XX/XX/year> XXXX XXXX XXXX ( Bank ) XX/XX/year> 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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These inquiries are fraudulent and were never authorized to be run on my credit report. Its the reason I've hired a credit specialist. Please remove all these illegal/fraudulent inquiries off my credit report. I never once authorized these illegal inquiries! 

XXXX XXXX XXXXXXXX ( Bank ) XX/XX/year> XXXX XXXXXXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXXXXXX XXXX XXXX Bank ) XX/XX/year> XXXXXXXX XXXX XXXXS ( Bank ) XX/XX/year> 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 2024-08-19 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: World Acceptance Corporation
State: TN

Complaint narrative:
Account was opened with World Finance Corporation in XX/XX/year> leaving a balance owed of {$0.00}. This account was stated to me by the debt collectors that this account was closed and would be approved to be removed off my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: OH

Complaint narrative:
-- Transunion -- These two illegal collections are fraudulent and they need to be removed off my report. These two accounts are illegal and I've finally hired a credit XXXX to remove these fraudulent items. Please remove these items off my credit report! All of these accounts have been removed off my XXXX report and XXXX report. These are the last XXXX illegal items on my transunion report. Please remove these illegal collections off my report! 

XXXX XXXX XXXX  XXXX {$150.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX {$57.00} Date Opened XX/XX/XXXX **Inquiries** These inquiries are fraudulent and were never authorized to be run on my credit report. Its the reason I've hired a credit XXXX. Please remove all these illegal/fraudulent inquiries off my credit report. I never once authorized these illegal inquiries! 

XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX  ( Bank ) XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX 2024

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