vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
When checking my credit report I have noticed that XXXXXXXX XXXX is reporting a debt that does not belong to me and could not be validated and verified, I disputed this debt on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not validated this debt, i requested signed documents bearing my wet ink signature, after repeated request for over 5 months XXXX XXXX  has not provided me any type of validation, they have not provided me with any type of documents that shows i agreed to pay this debt, i did not sign any agreement or documents with XXXX XXXX or the company that they are collecting for. 
I disputed this debt with Equifax on XXXX XXXX XXXX XXXX XXXX XXXX and Equifax has failed to validate this Debt and continues to knowingly violated FCRA. Equifax gives me know options on their website to re dispute this debt as not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-05-24 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 saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by 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 non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: GA

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 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 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 explanation
Consumer complaint received 2024-05-24 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: CITIBANK, N.A.
State: PA

Complaint narrative:
received a late payment notification from Citi Bank. This card is used for emergencies only and I probably only charge XXXX XXXX dollars on it annually, so when I got the late charge notification, I checked online the activity. The card in question has ALWAYS been in my possession. 
Starting XXXX is when the fraud starts. There are XXXX charges for XXXX at XXXX XXXX on XX/XX/XXXX. XXXX more charges on XX/XX/XXXX for the same XXXX and XXXX charge for XXXX, XXXX, and XXXX at XXXX and XXXX for XXXX. On XX/XX/XXXX a total of XXXX charges at XXXX XXXX all at XXXX per. XX/XX/XXXX has a total of XXXX charges at XXXX XXXX for XXXX per. XX/XX/XXXX has XXXX charges at XXXX XXXX all for XXXX per. 
So, we have a total of XXXX charges at XXXX XXXX in 6 days... all for XXXX each. XXXX at XXXX and XXXX at XXXX. 
There are also 3 charges totaling XXXX to XXXX XXXX XXXX XXXX, which is a commercial cleaning company in XXXX, AL. I have spoken with the owner from XXXX XXXX, and the said that they are also a Citi Bank customer and they have also been hacked with people running cards through their system. Her name is XXXX XXXX XXXX XXXX ). She also gave me the number of the private investigator who is working on her case, we also spoke with. His name is XXXX XXXX ( XXXX ) I have contacted XXXX XXXX as well and they have opened two case at their loss prevention ( # XXXX and # XXXX ) It is beyond me how Citi Bank did not flag this immediately. 
I live in XXXX Pa and have never been to XXXX XXXXXXXX. Citi Bank did an investigation and stated that these we're done with a chip, and being the card was never lost, I am responsible. Anyone with common sense can see this is fraud. I have also attached the statements for XX/XX/XXXX and XX/XX/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 monetary relief
Consumer complaint received 2024-05-24 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/2024, I requested all three credit reports from Annual Credit Report Request Services using their form, which I sent via US mail. I have used this company on prior occasions with no issues ; however, this was the first time I had requested my credit reports since moving to another state last year. ( Copy of request attached. ) On XX/XX/2024, I received a postcard from TransUnion stating they needed additional proof of my address to complete the request. They provided a file number. ( Copy of postcard attached. ) On XX/XX/2024, I responded to TransUnion in writing via US mail. I included a copy of my new state driver 's license, a copy of my year lease showing my name and address, and the file number provided by TransUnion in their postcard. ( Copy of my response attached. ) On XX/XX/2024, I received correspondence from TransUnion stating they would not provide my credit report as the information ( driver 's license and lease ) were not good enough to verify my identity. 
It is important to note that a ) our lease includes all utilities ( so I have no bills to send copies of ), I am currently a homemaker ( so I have no paystubs to provide ), and that the file number TransUnion provided was sent to the address I have provided proof for and included in my response, and c ) I don't believe I should have to provide my personal bank statement ( as is one of the " qualifying '' documents listed. ) Shortly after I received a postcard from Annual Credit Report Request Services would not provide my credit report. ( Copy of postcard attached. )

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 2024-05-24 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RADIUS GLOBAL SOLUTIONS LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute owing any and all debts to RADIUS GLOBAL SOLUTIONS LLC. I am requesting debt validation. I am requesting the purchase agreement between RADIUS GLOBAL SOLUTIONS LLC and the original creditor XXXX XXXX ( Cable/Cellular ). I am requesting proof that RADIUS GLOBAL SOLUTIONS LLC Is licensed and bonded. 

I dispute this debt for the following reasons : 1. Collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet you placed a collection on my consumer report. 
2. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 
4. Collection agency has no authority to furnish any account to a consumer reporting agencies without any and all disclosures required by law and you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am revoking all rights of RADIUS GLOBAL SOLUTIONS LLC communicating with me through email/text/calls. 

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 2024-05-24 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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2024-05-24 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: FL

Complaint narrative:
XXXX  XX/XX/2024 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-24 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:
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 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 2024-05-24 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it 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 2024-05-24 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 saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by 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 2024-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2024-05-24 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:
PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-05-24 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: CT

Complaint narrative:
You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I closed my XXXX account on XX/XX/XXXX by phone, effective immediately. I had autopay. Requested email confirmation, which was not given. Asked what additional needed to be done as I 1 ) no longer had access to my XXXX online website with closing the account, and 2 ) was denied a cancellation email. I was told you just need to return the XXXX equipment, which I did shortly thereafter. I did not receive further communication from XXXX for many weeks/ months. I received an email from XXXX on XX/XX/XXXX with an outstanding balance. Access to my online Spectrum account was removed and so could not confirm this. First contacted by Sunrise debt collectors on XX/XX/XXXX ( 16 days later ). I asked for confirmation of my information to ensure the correct account was sent to collections they did not provide the correct birth date. Still, I called XXXX to ensure that this was an error. Confirmed that they sent me to collections. They had billed account on XX/XX/XXXX ( 1 day after account closed ). At this point, I did not have a way of seeing my bills online with Spectrum. They canceled my autopay right before billing me. Could not provide proof that they contacted me before XX/XX/XXXX. Only offered to take payment. XXXX confirmed that they could not provide any proof of making attempt to notify me of the bill. I expressed concern regarding the effect on my credit score, but the XXXX employees made no apology. XXXX stated, I can tell you that the likelihood that our system made an error is zero. If you didnt get the email, Im sorry. ( same company that provided incorrect birth date to collections ). XXXX only offered to start internal ticket. Only given option for credit, debit, or checking account. Asked for a way to follow-up and ensure they corrected error w/ credit agencies- they refused. I asked, you sent me to collections, but I just have to trust you, and there is absolutely no way to contact you. '' She stated " yes. '' I also believe that Sunrise Credit violated my consumer rights in XXXX. They called me from a Pennsylvania number not associated with their company which is licensed in New York. They additionally called me on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which is more than 2 times per week. They had my date of birth incorrect and thus did not seem that they actually were collecting a legitimate debt.

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 2024-05-24 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: CA

Complaint narrative:
I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees, and I urgently require your assistance to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: CA

Complaint narrative:
I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees, and I urgently require your assistance to address this issue.

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 2024-05-24 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: CA

Complaint narrative:
I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees, and I urgently require your assistance to address this issue.

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