vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, Connecticut XXXX XX/XX/year>XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Missing Credit Score Reporting Dear Equifax, I am writing to formally dispute the failure of Equifax to report my credit score on my credit report for the past three years. 
As a consumer, I have the right to an accurate and complete credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other consumer protection laws such as the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 
It is my understanding that Equifax, as a credit reporting agency, has an obligation to ensure that my credit information is up to date and reported accurately, including my credit score. The failure to do so is a violation of my rights under both federal and state law, and I am requesting immediate corrective action. Furthermore, according to the Consumer Financial Protection Bureau ( CFPB ) and Uniform Commercial Code ( UCC ) regulations, Equifaxs failure to report my credit score as part of my credit file is improper and potentially unlawful. 
I demand the following actions be taken : 1. Immediate Correction : Update my credit report to reflect my accurate credit score, as it has not been reported for over three years.

2. Explanation and Documentation : Provide me with a clear explanation and documentation as to why my credit score has not been reported during this period.

3. Investigation of the Dispute : Initiate a formal investigation into this matter, in compliance with the FCRA, and provide me with the results of the investigation within the 30-day time frame as required by law. 
Failure to address this issue promptly will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and exploring legal remedies to ensure compliance with FCRA and other applicable laws. 
Please consider this letter as formal notice of my dispute, and I expect written confirmation once the errors have been corrected. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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:
I am reaching out for your help regarding the account inaccurately reported on my credit report. This issue has been harmful to my reputation, and I need your support. The way my credit report has been treated has left me in a difficult position, as the incorrect reporting has damaged my reputation. You need to clear this misleading information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my serious concern regarding the inaccuracies on my credit report, specifically the disputed accounts that have not been corrected despite my repeated efforts to bring them to your attention. I have submitted multiple requests for a thorough investigation into these errors, but I have yet to receive any resolution or corrective action. 

The presence of these erroneous accounts has caused significant damage to my credit file, adversely impacting my ability to manage my finances and creating unnecessary hardships in my personal and professional life. These inaccuracies are not only misleading but also unfairly impairing my creditworthiness. 

I kindly urge you to conduct an immediate and thorough investigation into each of the disputed accounts and take all necessary steps to ensure that my credit report is corrected. It is critical that these errors are addressed promptly to restore the accuracy and integrity of my credit profile. 

I sincerely hope you will prioritize this matter and take swift action to resolve it. I trust that your cooperation and support will help me regain control over my financial well-being. 

Thank you for your prompt attention to this matter. I look forward to your response and a resolution at the earliest possible date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my serious concern regarding the inaccuracies on my credit report, specifically the disputed accounts that have not been corrected despite my repeated efforts to bring them to your attention. I have submitted multiple requests for a thorough investigation into these errors, but I have yet to receive any resolution or corrective action. 

The presence of these erroneous accounts has caused significant damage to my credit file, adversely impacting my ability to manage my finances and creating unnecessary hardships in my personal and professional life. These inaccuracies are not only misleading but also unfairly impairing my creditworthiness. 

I kindly urge you to conduct an immediate and thorough investigation into each of the disputed accounts and take all necessary steps to ensure that my credit report is corrected. It is critical that these errors are addressed promptly to restore the accuracy and integrity of my credit profile. 

I sincerely hope you will prioritize this matter and take swift action to resolve it. I trust that your cooperation and support will help me regain control over my financial well-being. 

Thank you for your prompt attention to this matter. I look forward to your response and a resolution at the earliest possible date.

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 2024-09-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a complaint against Equifax regarding unauthorized hard inquiries on my credit report. Despite my efforts to dispute these inquiries directly with Equifax, I have not received a satisfactory resolution. 

Details of the Unauthorized Inquiries : 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 XXXXXXXX I did not authorize any of these inquiries and was not informed that my credit report would be accessed for any purpose. Under Section 604 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have unauthorized information corrected or removed. 

I have formally disputed these inquiries with Equifax, as documented in my letters. Despite my efforts, there has been no resolution, and the inquiries remain on my credit report. 

Additionally, I have reported potential identity theft to the Federal Trade Commission ( FTC ) as I suspect these inquiries may be linked to unauthorized activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Request for Removal of " XXXX XXXX XXXX '' Account Under 15 U.S.C. 1681s-1 FCRA 605B ( 15 U.S.C. 1681c-2 ) In accordance with 15 U.S.C. 1681s-1, I XXXX XXXX XXXX requesting the immediate removal or blocking of the " XXXX XXXX XXXX / OFFICE OF THE ATTY GEN '' Account # ( XXXX ) from my XXXX, TransUnion, and XXXX credit reports. Under federal law, consumer reporting agencies are obligated to report overdue child support obligations only if the following conditions are met : The information is : ( A ) Submitted by a state or local child support enforcement agency ; or ( B ) Verified by a local, state, or federal government agency. 

The overdue child support must not predate the report by more than 7 years. 
The " XXXX XXXX XXXX / OFFICE OF THE ATTY GEN '' account on my credit reports does not meet these criteria, and I, therefore, demand its removal or blockage in compliance with the law. Please confirm that this account has been removed from all three credit bureausXXXX, TransUnion, and XXXXwithin the legally prescribed time frame.

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 2024-09-25 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: FL

Complaint narrative:
Request for Removal of " XXXX XXXX XXXX '' Account Under 15 U.S.C. 1681s-1 FCRA 605B ( 15 U.S.C. 1681c-2 ) In accordance with 15 U.S.C. 1681s-1, I XXXX XXXX XXXX requesting the immediate removal or blocking of the " XXXX XXXX XXXX / OFFICE OF THE ATTY GEN '' Account # ( XXXX ) from my XXXX, XXXX, and Equifax credit reports. Under federal law, consumer reporting agencies are obligated to report overdue child support obligations only if the following conditions are met : The information is : ( A ) Submitted by a state or local child support enforcement agency ; or ( B ) Verified by a local, state, or federal government agency. 

The overdue child support must not predate the report by more than 7 years. 
The " XXXX XXXX XXXX / OFFICE OF THE ATTY GEN '' account on my credit reports does not meet these criteria, and I, therefore, demand its removal or blockage in compliance with the law. Please confirm that this account has been removed from all three credit bureausXXXX, XXXX, and Equifaxwithin the legally prescribed time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bond age, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( B ) ( 4 ) -51002.152 ( B ) ( 7 ). I kindly request that you block this information from my credit report within 4 business days, pursuant to Section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from TransUnion. Please delete the following accounts : 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 2024-09-25 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:
Recently, I did an investigation on my credit report and found several items on said credit report that are inaccurate. 

Under 15 Us. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Experian : DEPT OF EDUCATION/XXXX  DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries : 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 2024-09-25 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-25 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 explanation
Consumer complaint received 2024-09-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 2024-09-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
MIDLAND CRED ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$2300.00} MIDLAND CRED ( Original Creditor : XXXX XXXX XXXX ) XXXX {$810.00} which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with MIDLAND CREDIT MANAGEMENT. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. 

To date, MIDLAND CREDIT MANAGEMENT has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Bankruptcy XXXX Account Number : XXXX and list of Inquiries. 

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 a 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 2024-09-25 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: CA

Complaint narrative:
I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing me significant distress. As a victim of identity theft, I have already reported the incident. It is crucial to address this matter promptly, as it has adversely affected my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if needed, take legal action to protect my rights and seek appropriate compensation. Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: CA

Complaint narrative:
I am filing this complaint on my own behalf regarding late payments on my credit record. After reviewing my records, I discovered these late payments. Despite sending letters over 30 days ago, I have not received a response or satisfactory validation. I kindly request your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them 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