vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 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: AR

Complaint narrative:
Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Consumer complaint received 2024-05-21 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: MS

Complaint narrative:
This is the follow up complaint. When I reviewed my credit report, I discovered that some of the information was erroneous.

The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: TX

Complaint narrative:
This is to express my concern and frustration regarding the numerous attempts made by your organization to remove charge-off accounts with incorrect balances from my credit report. These actions have created significant confusion and have negatively impacted my credit standing. I have been diligently monitoring my credit report to ensure its accuracy and fair representation of my financial history. However, over the past several months, I have noticed several erroneous attempts by your organization to remove charge-off accounts that contain incorrect balances without my consent. 

I would like to emphasize that while I acknowledge the presence of charge-off accounts on my credit report, the balances reported are incorrect. These discrepancies must be corrected to reflect the true state of my financial obligations. I firmly believe in the importance of accurate credit reporting and am committed to maintaining a truthful credit history. Any changes made to my credit report should be based on accurate and verifiable information. I kindly request that you respond to this complaint within 30 days and take the necessary actions to rectify this situation. I have no choice but to seek legal counsel or file a formal complaint with the relevant authorities. Please help me remove these charge off acoounts immediately XXXX XXXX XXXX  XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXX  XXXX Balance : {$3600.00}.

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 2024-05-21 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: TX

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the numerous attempts made by your organization to immediately correct a late open account on my credit report. I believe there XXXX be a misunderstanding or an error in this process, and I am seeking your assistance in resolving this matter promptly. I have been meticulously managing my financial obligations and monitoring my credit report to ensure its accuracy. However, over the past several months, I have noticed several erroneous attempts by your organization to correct a late open account on my credit report without my consent. 

I would like to clarify that the late open account in question is indeed accurate, as it represents a past financial issue. While I understand the importance of rectifying any inaccuracies on my credit report, this late open account is a true reflection of my financial history and should not be corrected without proper evaluation. I firmly believe in the importance of accurate credit reporting and am committed to maintaining a truthful credit history. However, I must insist that any changes made to my credit report should be based on accurate and verifiable information. With this, I am asking for your assistance to correct the account : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$7500.00}.

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 2024-05-21 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: MS

Complaint narrative:
This is the follow up complaint. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX  Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$2400.00} XXXX XXXX XXXX  Balance Owed XXXX {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$1300.00} 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 XXXX  According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX there is no XXXX  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
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My name is XXXX XXXX XXXX there is no XXXX  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
Consumer complaint received 2024-05-21 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: SC

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 XXXX party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 non-monetary relief
Consumer complaint received 2024-05-21 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-05-21 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:
My name is XXXX XXXX XXXX there is no XXXX  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 non-monetary relief
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX., has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-05-21 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: CA

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 XXXX, 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 XXXX 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 2024-05-21 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: SC

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 XXXX  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 2024-05-21 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: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ). The violations include : XXXX. FDCPA Violation XXXX : Failure to provide written notice of the debt within XXXX days of initial communication. 
XXXX. FDCPA Violation XXXX : Failure to provide verification of the debt upon request. 
XXXX. FDCPA Violation XXXX : Failure to provide validation of the debt, including copies of relevant documents. 
XXXX. FDCPA Violation XXXX : Unauthorized disclosure of private information to a third party. 
XXXX. TILA Violation : Failure to provide accurate and complete disclosure of loan terms and conditions. 

XXXXXXXX XXXX  has failed to adhere to the FDCPA and TILA guidelines by not providing me with the necessary information and documentation regarding a debt they claim I owe. Despite my requests for verification and validation of the debt, XXXXXXXX XXXX  has not provided me with copies of relevant documents or accurate disclosure of loan terms and conditions. 

These violations have caused me significant distress and harm, and I believe XXXX XXXX XXXX actions are in direct violation of consumer protection laws designed to safeguard consumers like myself. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX XXXX for their violations of the FDCPA and TILA guidelines. I also request that XXXX XXXX be held accountable for their actions and that I receive compensation for the damages incurred as a result of their non-compliance. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

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 2024-05-21 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: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ). The violations include : XXXX. FDCPA Violation XXXX : Failure to provide written notice of the debt within XXXX days of initial communication. 
XXXX. FDCPA Violation XXXX : Failure to provide verification of the debt upon request. 
XXXX. FDCPA Violation XXXX : Failure to provide validation of the debt, including copies of relevant documents. 
XXXX. FDCPA Violation XXXX : Unauthorized disclosure of private information to a third party. 
XXXX. TILA Violation : Failure to provide accurate and complete disclosure of loan terms and conditions. 

XXXXXXXX XXXX has failed to adhere to the FDCPA and TILA guidelines by not providing me with the necessary information and documentation regarding a debt they claim I owe. Despite my requests for verification and validation of the debt, XXXXXXXX XXXX has not provided me with copies of relevant documents or accurate disclosure of loan terms and conditions. 

These violations have caused me significant distress and harm, and I believe XXXXXXXX XXXX XXXX actions are in direct violation of consumer protection laws designed to safeguard consumers like myself. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXXXXXX XXXX for their violations of the FDCPA and TILA guidelines. I also request that XXXXXXXX XXXX be held accountable for their actions and that I receive compensation for the damages incurred as a result of their non-compliance. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

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 2024-05-21 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've submitted proof of my time being incarcerated I've Dispute Unauthorized Accounts and Request for Investigation under 15 USC 1681 et seq. I am writing to dispute unauthorized accounts and inquiries on my credit report due to identity theft. I request an immediate investigation and correction of my credit file under the Fair Credit Reporting Act ( FCRA ) and relevant XXXX Code sections. I recently reviewed my credit report and discovered several inaccuracies that do not belong to me, indicating I am a victim of identity theft. The following accounts and inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : Not opened by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not opened by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not opened by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not opened by me. 

15 USC 1681b ( c ) : This section outlines permissible purposes for accessing consumer reports. The unauthorized inquiries on my report violate this statute as they were not made with my consent. 

15 USC 1681g ( a ) ( XXXX ) : This section requires that I am provided with all information in my file at the time of the request. The existence of these unauthorized accounts and inquiries indicates that my file contains inaccurate information. 

15 U.S.C. 1028A : This statute provides for penalties for aggravated identity theft. The presence of fraudulent accounts and inquiries on my report suggests a violation of this law. 

15 USC 1681b : Access to my credit report must comply with permissible purposes. Unauthorized access constitutes a breach of this section. 

15 USC 1681 : The general provisions of the FCRA ensure the accuracy and privacy of consumer information. The fraudulent activity on my report contravenes these principles. 

15 U.S. Code 1681c2 : This section specifically addresses the blocking of information resulting from identity theft. I request that you block and delete all fraudulent information promptly.Requested Actions : Conduct a thorough investigation into the unauthorized accounts and inquiries listed above. 
Remove all fraudulent accounts and inquiries from my credit report. 
Send me a copy of my updated credit report reflecting these changes. 
Provide written confirmation of the results of your investigation and the steps taken to correct my 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