vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-03 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: GA

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 explanation
Consumer complaint received 2024-10-03 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: MS

Complaint narrative:
-I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and this is not mine. Please delete. 

2. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and this is not mine. Please delete. 

3. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and this is not mine please delete. 

4. 1. Account Name : XXXX BANK Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the past due 30 days XXXX time update the this account to Paid or paying as agreed. 

5. Account Name : XXXX AUTO Account Number : Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX, XXXX & EQUIFAX account. Please provide proof of the XXXX late and update the paid or paying as agreed status on this account. 

6. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: VA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from 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 2024-10-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
An account was opened in XX/XX/XXXX for a collections account from XXXX XXXX My credit was involved in XXXX data breach and was used multiple times to obtain goods/services that I have been having to dispute including leasing an apartment in my name. It appears the alleged person lived in the XXXX XXXX XXXX XXXX XXXX XXXX and I have been living at my current address since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing a complaint against Experian regarding their failure to respond to my dispute letter. On XX/XX/year>, I mailed a dispute letter to Experian via certified mail ( tracking # XXXX ), requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. 

To assist Experian in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill showing my current address. Despite this, I did not receive any response or investigation results from Experian. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation when the accuracy or completeness of information in a consumer 's file is disputed. It appears that Experian has violated my rights as a consumer by failing to conduct such an investigation upon receipt of my dispute. 

I am including a copy of the dispute letter I sent to Experian, along with proof of delivery, to support my claim. I am now demanding that Experian immediately and permanently remove the disputed items from 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 2024-10-03 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: National Credit Adjusters, LLC
State: VA

Complaint narrative:
I checked my XXXX XXXX account to find that a payday loan for {$440.00} had been taken put in my name days after I turned XXXX. I called the service associated with the charge and noticed that when they recalled the information attached to the account, everything except for my name was consistent with my adoptive mother 's work email and home address. They still refused to take the balance off of my account, and it shows that now it is owned by NCA for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have dealt with months of poor customer service and a non-functional product. Cashapp at no such time has provided me the services the company advertises. I have not been able to send or receive money, purchase stocks, and/or perform any of the functions the company advertises. 

Additionally, cashapp demanded a litany of invasive personal, financial, and biometric data under the guise to obtain an account, but has provided no such services after the company took possession of the data that it coerced me into giving. 

Cashapp has refused to share details of the account status, and has resolved no outstanding issues as of the date of submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: IL

Complaint narrative:
Please remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.

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 2024-10-03 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc

Complaint narrative:
I received an email on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( I live in the XXXX, my time is 6 hours ahead ). It informed me that a debt was being collected. 

I would like to preface this by stating that because I live in the XXXX, my primary means of communication is email for those in the XXXX, as I can not make long distance calls. 

I googled information, and found out that I could request a Debt Validation. I replied to the email on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX my time. I replied to the initial email that was sent to me. 

I received another debt collection letter on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not respond to this. 

I received another email on the XXXX XXXX XXXX XXXX XXXX XXXX  my time. It was once again requesting my payment to my account number. I again sent another Debt Validation request to the email that was sent to me on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I received another email on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I did not respond to this. 

I received another email on XX/XX/XXXXXXXX XXXX XXXX XXXX. I did not respond to this. 

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX I received another email. I send another Debt Validation request to the email that replied to me AND two other email addressed. I sent it to an accessibility email address AND to another address containing HWI ( this is important for later ). 

I received another email on XXXX XXXX XXXX XXXX XXXX XXXX I did not respond to this. 

I received another email on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

I did not reply to this, HOWEVER I did go to the website and got in contact with an agent on the Live Chat. I asked if I could send an email to request a debt validation, since I figured my emails were not being looked at or I was sending them to the wrong email address. 

I found out that on the third email that I sent, I sent it to the correct email address. I was provided with an email containing HWI. They told me to contain my account number, and I did in the body of the original email that I sent. I have not sent another email yet, as I feel that they have overstepped and should have validated the debt over a year ago. 

I took a screenshot of the entire chat with the live agent. I have every email mentioned in this report. I will take screenshots of them for safekeeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, GA XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Lack of Response from Credit Bureaus Dear CFPB Team, My name is XXXX XXXX, and I am writing to file a formal complaint regarding the inaction by the XXXX major credit bureaus ( XXXX, XXXX, and Equifax ) in resolving inaccuracies on my credit reports. I contacted all three bureaus on XX/XX/XXXX, requesting corrections and validation of information that does not belong to me. However, as of XX/XX/XXXX, I have not received any form of communication from any of the credit bureaus. 

My correct and only address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX, and my date of birth is XX/XX/XXXX. I would like to firmly request the removal of all incorrect information that remains on my credit reports. This includes former addresses that are not accurate and other details tied to my identity. 

Here is a summary of the incorrect information on my reports as of XX/XX/XXXX : XXXX : Incorrect current address : XXXX XXXX XXXX XXXX, XXXX, MI XXXX Incorrect previous addresses : XXXX XXXX XXXX, XXXX, MI XXXX ; XXXX XXXX XXXX, XXXX XXXX, MI XXXX Incorrect employer : XXXX XXXX XXXX : Incorrect current address : XXXX XXXX XXXX, XXXX, MI XXXX Incorrect previous addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX Incorrect employer : XXXX XXXX These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must ensure accurate reporting and respond to disputes in a timely manner. Specifically : Section 611 ( 15 U.S. Code 1681i ) requires credit bureaus to investigate disputed information and respond within 30 days.

Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) ensures the accuracy of the information reported.

The failure to remove erroneous data after being notified constitutes a violation of Section 623 ( 15 U.S. Code 1681s-2 ( b ) ) of the FCRA, which obligates furnishers of information to investigate and correct inaccurate information.

I kindly request that your office intervene on my behalf and enforce my rights under the law. I demand the immediate correction of all inaccuracies on my credit report, as well as confirmation that this issue has been resolved. Please ensure that XXXX, XXXX, and Equifax comply with their legal obligations and notify me accordingly. 

Thank you for your attention to this matter. I appreciate your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-10-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
I am submitting a formal complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by, relating to an inaccurate repossession entry on my credit report.

I believe this repossession has been inaccurately reported for the following reasons : Incorrect Reporting : The repossession was inaccurately listed on my credit report by without proper notice or justification.

Failure to Correct Errors : After disputing this item with both and the credit reporting agencies, they have failed to investigate and correct the error. This constitutes a violation of 15 U.S.C. 1681s-2, which requires furnishers of information to ensure the accuracy of the information they report and promptly correct errors after a dispute.

Impact on My Credit : Due to this inaccurate entry, I have experienced significant harm, including but not limited to denial of credit, increased interest rates, and damage to my creditworthiness. 

I respectfully request the CFPB investigate this matter and take appropriate enforcement actions to ensure compliance with the FCRA. I would also like this inaccurate entry removed from my credit report immediately and all other necessary corrections made.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have the following unauthorized and wrong inquiries showing on my credit report with Transunion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation