vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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: FL

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$270.00}

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 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Portfolio Recovery XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Debt Validation Request To whom this may concern, I am writing in response to a debt collection notice I received from your agency regarding the alleged debt you contacted me by email, and identified the debt as XXXX in the amount of {$730.00}. Before I proceed with any further actions, I would like necessary information to be provided to validate the accuracy of this debt. 

As you are aware, according to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify within 30 days. Please provide and respond to the requested information below : -Document proving ownership of the debt -Proof of how the company assess the debt and current balance ( Are there any additional interest, fees or charges that may have been added since the last billing statement from the original creditor ) -Payment history from the original creditor & the final payment made on the account -Copy of the original contract bearing my signature of agreement -Chain of title on the debt -Bill of Sale -Have you determined that the debt is within the statute of limitations applicable to it? Please provide the statute of limitations expiration date for this debt. 

Please also provide proof that Portfolio Recovery has the right to collect this debt within the state of Washington, I would also like proof of your current insurance bond. 

I am entitled to all information listed above and I request that you cease all collection activities until the debts validity has been verified and the requested information has been provided. 
Please be sure to forward all correspondence and documentation to the address provided above. 
Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX - XXXX, XXXX  - XXXX XXXX XXXXXXXX XXXX BALANCED {$890.00} XXXX XXXX XXXX BALANCED {$800.00} XXXX XXXX BALANCED {$1100.00} XXXX XXXX XXXX BALANCED {$2700.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly.

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX - XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX BALANCED {$890.00} XXXX XXXXXXXX XXXX BALANCED {$800.00} XXXX XXXX BALANCED {$1100.00} XXXXXXXX XXXX  XXXX BALANCED {$2700.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly.

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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:
I am writing to express serious concerns about several issues I have encountered with the credit bureau. These include false account listings, numerous unauthorized inquiries, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me. 

I kindly request your assistance in resolving these issues to safeguard my financial well-being. Please thoroughly investigate my case and advise me on the appropriate next steps.

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 2024-11-25 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: CA

Complaint narrative:
I am writing to express serious concerns about several issues I have encountered with the credit bureau. These include false account listings, numerous unauthorized inquiries, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me. 

I kindly request your assistance in resolving these issues to safeguard my financial well-being. Please thoroughly investigate my case and advise me on the appropriate next steps.

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 2024-11-25 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: NC

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX, and the information listed below, which appears on my credit report, is a result of that XXXX.

Please block the following information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

XXXX. Account Name : XXXX XXXX Account # : XXXX XXXX. Account Name : XXXX XXXX  Account # : XXXX XXXX. Account Name : XXXX XXXX  Account # : XXXX XXXX. Account Name : XXXX XXXX Account # : XXXX XXXX. Account Name : XXXX  XXXX Account # : XXXX Thank you for your prompt attention to this matter. Please find my proof of identity and trafficking documentation enclosed. 

Sincerely, XXXX XXXX Enclosures : Proof of identity XXXX  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 non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows 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 The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.

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 2024-11-25 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: VA

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that there were unauthorized inquiries made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I contacted the above stated creditor accounts whom placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately re-investigate these inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiries referenced above to be valid, I request that you please send me a full description of the procedures and proof used in your investigation within XXXX business days of the completion of the investigation. 
Thank you for your help and assistance. 

ATTACHED IS A NOTARIZED STATEMENT FOR RE-INVESTIGATION, COPY OF ID AND SOCIAL, OFFICIAL COMPLAINT FROM IDENTITYTHEFT.GOV AND PROOF OF ADDRESS. THERE ARE XXXX TOTAL ATTACHMENTS.

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 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Today XX/XX/year> at XXXX XXXX We went into the local wyndham for timeshare preparation. Early in the process we were asked to provided ssn. We were confused by this, but the sales person said this is just to verify who we are and our eligibility. We naively gave this info because the sales person said it was required and demanded this to proceed with giving the presentation. We went through the presentation and made sure to check decline and sign we declined any products offered. When we got home we got an email from transunion alerting my wife there was a new account under her name. Extremely surprised by this we checked and indeed, XXXX had opened a XXXX credit card under her name. My credit was already freezed due to the earlier leaked info so guessing why I didn't have any. We immediately called the card banking partner, Barclay to close the card and freeze all her credit. Because this was the banking partner, they did not know why this happened and just apologized for the inconvenience. This is extremely illegal and unethical on XXXX 's part. At no point did the sales person say there was a credit card or the real reason for the ssn request. I see many accounts of this on online forums, it seems like XXXX has been doing this for years and there was even a class action that was unfortunately dismissed.

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 2024-11-25 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 am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXXXXXX XXXX XXXX Balance : {$14000.00} XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$33000.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$26000.00}

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 2024-11-25 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: FL

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: CO

Complaint narrative:
Company calling themselves Montgomery Ward is sending letters of debt collection. They do not exist online & keep trying to get my phone number. They have mailed me XXXX notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-25 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:
On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX Holdings, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX  XXXX XXXX and addresses and inquires. This has cause me great anxiety, stress, and financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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:
On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX and addresses and inquires. This has cause me great anxiety, stress, and financial hardship.

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 2024-11-25 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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