vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My wife and I are separated in marriage ; I no longer live under the address when we were together. The address when under marriage, is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My personal and new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; I will submit leasing contract as a document attachment. 

My wife was late in mortgage payment for the month of XX/XX/XXXX and XX/XX/XXXX to the financial company XXXX XXXX XXXX. She was late 60 days, consequently she is over XXXX XXXX  in the rears. My name is associated with this Mortgage as a co-signer, I am in the process of hiring a lawyer to assist in the divorce presidence. 

The compliant that I have with Equifax is that they deducted my credit score XXXX XXXX 
I called spoke with a customer agent, and asked why did Equifax deduct so many points from my credit file ; the spoke person told me that all they know is the points are done through a computer, and they don't know the numerical points per each derogatory reporting. 

I expressed my concern about the excessive deduction of XXXX XXXX from my ex-spouse being late on the mortgage, plus the Equifax did not take into consideration of the separation, disregarding the attachment of the leasing contract that I sent through email while I made the dispute proving that I have my own address. 

Equifax spoke person wasn't able to give me an answer in there numeric system towards to justify there score if XXXX XXXX deduction. 

My compliant is ; please release a data sheet describing each in fraction of a derogatory reporting and it's point associated with that infraction of a derogatory report, and justify their deduction of XXXX XXXX deducted for my credit reporting file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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: TX

Complaint narrative:
Companies are in violation of title 15 usc 1681b, reporting without written consent, title 15 usc 1681 c-2. Information in alleged identity theft be removed in 4 days, also in violation of title 15 usc 1681n and title 15 usc 1681o. Willful and negligent non compliance 2nd attempt for abritration

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 2024-03-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Appears that two credit cards were opened from XXXX XXXX using may name. 

These cards were opened in XX/XX/year>. 

I was never notified nor did these cards show on my report previously. 

Now both these cards in collections! 

This is messing with my ability to receive credit. Please remove both cards from all my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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 have looked back at my credit report on XXXX XXXX and noticed that some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the credit relates. After this conpany stated that my investigation had been completed as of XXXX XXXX. 
I sent a letter asking them to reinvestigate these accounts listed below, because XXXX XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date last payment is not correct, this account is not accurate. 
After my investigation had been completed, I took a deeper look into the report to ensure it accuracy due to the identity theft, that I have experience within the last three years. It is becoming tiresome needless to say. I have been in XXXX XXXX XXXX XXXX XXXX My address is 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I got the investigation back, but noticed nothing was modified or updated. 

I requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 Please look into this matter.

According to 15 USC 1681i 5 they are supposed to do this ( 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 in accurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer

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 2024-03-30 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: NJ

Complaint narrative:
I have been doing my best to remove this fraud account from my report for the pass week, Equifax refused to remove it!! Because they allegedly claimed that they never received an FTC report that Ive mailed to them. When I called them I caught them XX/XX/XXXX I spoke to a live representative I ask the first time have you guys received my FTC report one person stated they did receive. Then they hung up and I called on the XX/XX/XXXX the company had lie twice about not receiving my paperwork, saying they never got the FTC report!! Then I called the third time. They stated that they got my report, which I stated to them that you guys lie on a record line about this!! So I stated to the live agent that you mid falsely stated you never received my FTC which I mail it out on XX/XX/XXXX. And I was going to call the state of attorney of New Jersey to sue them! I would like for this to be resolved immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: WA

Complaint narrative:
this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

they are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC
State: WA

Complaint narrative:
this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

they are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

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 2024-03-30 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: WA

Complaint narrative:
I looked at my report recently and notice an account wasnt reporting accurately. I had teo late payments on my account that in fact On time Never late. The consumer reporting agencies need to report all information with complete accuracy. The Account has not been late on payments, i attached a screenshot of the report to this complaint of the following dates XX/XX/2021 and XX/XX/2021. Im now requesting that you investigate and provide verifiable proof with records that i had late payments. If this information can not be verified, i demand that they get an update to Paid on time never late, Immediately. Thanks for your understanding and prompt action.

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 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I received a copy of my credit report. To my surprise, the Credit Agencies were reporting these 3 accounts incorrectly : XXXX. XXXX XXXX XXXX with an open past due balance of {$1200.00} reporting. XXXXXXXX XXXX XXXX XXXX with an open past due balance of {$960.00} reporting. XXXX XXXX XXXX XXXX with an open past due balance of {$740.00} reporting. I mailed a letter off to each of them on XX/XX/year> stating pretty much what I stated here. These are collection accounts that are reporting not only as OPEN, but also shows past due balances. 

According to the FCRA, I have the right to an accurate credit report. I sent in letters and the problem wasn't resolved.

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 2024-03-30 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: AR

Complaint narrative:
I have been a victim of identity theft, upon checking my credit report I have noticed that address and accounts are reporting to my credit report fraudulently. I have already filed a police report and FTC report about this matter submitted it to XXXX, XXXX, and Experian. I have also sent this information to the creditor who is reporting this information. These addresses and accounts are hindering me financially.

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 2024-03-30 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: TX

Complaint narrative:
My rights enacted by the FRCA, FBCA and Privacy 
Act are in violation by the unaffiliated 3rd party(s) this complaint is going to. For 
items that have been placed on my credit report. I have included attached 
documents of these items. As per 15 USC 6802 (b) and (c). I was never provided 
the knowledge of the opportunity to opt-out of my personal information being 
reported. I then was also not provided knowledge and instructions on how to optout of my personal information being reported. In addition I have late payments 
that are being listed that were never verified and violated my rights per 15 USC 
1666b. Both the credit furnisher and reporting agencies are in violation of these 
acts. They are unable to provide adequate verifiable proof. Which has also been 
attached in the documents uploaded, providing exact types of acceptable proof to 
have it considered verified. Lack of this acceptable proof based on the claim is 
lack of Corporate Compliance and a crime. If the proper recordings matching the 
letters are not rectified within 30 days and updated immediately with proof of the 
update. I will next exercise my rights to take legal actions. Since both parties are 
currently the acting fiduciary agents over my entrusted interests and information. 
I will take this to federal court to seek the highest claim of the Federal Reserve 
Act Section 29.

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 2024-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
The dental company claims that they billed my insurance, and I still had a balance. However, I contacted my insurance, and they were never billed. I made several attempts for the company to bill my insurance, even in listing the XXXX XXXX XXXX for assistance. They never replied they then sent me to collections. I disputed The Collection and it was removed. Now they resubmitted the collections with another Collection company I disputed that again with a XXXX and for some reason this time they are not removing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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: GA

Complaint narrative:
This complaint is in response to closed CFPB case to Equifax ID # XXXX submitted on XX/XX/2024. 

ATTN : Equifax Equifax Response States : Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. 

This was not a valid response to the issue at hand. As mentioned in case # XXXX. Documents have been provided to prove that this account has been discharged per the IRS 1099C cancellation of debt that was processed by the company which should have resulted in a {$0.00} balance for this account, instead XXXX has now sold the account to a third party to collect on a debt that has been cancelled. This account should not be on my credit report. This is a breach of TILA and my consumer rights are being violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I received a letter on XX/XX/2024 from comenity capital bank stating that they have changed my XXXXXXXX XXXX XXXX credit card account credit limit. They stated after a recent review, we're now writing to let you know your credit limit is being reduced to {$100.00}. I'm having an issue with that because I pay my account and all other accounts on time or before time ; I have an excellent credit history so I don't understand how they can determine this ; They did the same thing with my XXXX XXXX account : I won't this matter solved, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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: OK

Complaint narrative:
To Whom It May Concern, I hereby submit this correspondence to dispute the accuracy of the collection account reported by XXXX XXXX XXXXXXXX on my credit report, and to demand a cease and desist regarding the same. The account details are as follows : * Reported Date : XXXX XXXX, XXXX * Balance : {$180.00} * Overview : Needs Attention. You have 100 % left to pay on this collection. 
* Original Creditor Name : XXXX XXXX XXXX XXXX XXXX * Opened Date : XXXX XXXX XXXX  ( XXXX yrs, XXXX mos ) * Account Status : Open * Type : Derogatory * Responsibility : Individual * Remarks : Account information disputed by consumer, meets FCRA requirements I assert that the reporting of this collection account violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : * Inaccurate Reporting : The reported balance and account status do not accurately reflect the true state of the account, contravening FCRA 623 ( a ) ( 1 ) ( A ). 
* Failure to Investigate Dispute : XXXXXXXX XXXX XXXXXXXX has neglected to conduct a reasonable investigation into my dispute, as mandated by FCRA 611 ( a ) ( 1 ) ( A ). 
* Failure to Report Accurate Information : XXXXXXXX XXXX XXXXXXXX has inaccurately reported information regarding the original creditor, in violation of FCRA 623 ( a ) ( 1 ) ( C ). 
Furthermore, pursuant to the statute of limitations for creditors to report a collection account in the state of Oklahoma, which typically spans 5 years, any collection account exceeding this timeframe is deemed time-barred and should not be reported on my credit report. Thus, the reporting of this account constitutes an additional infringement of my FCRA rights. 
Moreover, I hold TransUnion accountable for allowing this account to persist on my credit report beyond the statute of limitations, thereby further breaching the FCRA. 
Should this dispute not result in the deletion of the aforementioned collection account, I will be compelled to escalate this matter to the Attorney General of the state for the violation of my FCRA rights. 
I demand that the Consumer Financial Protection Bureau conduct a comprehensive investigation into this matter and ensure that XXXX XXXX XXXXXXXX and TransUnion rectify the inaccuracies and expunge the collection account from my credit report. Additionally, I request written confirmation of the investigation 's conclusion and the subsequent corrections made to my credit report. 
Please consider this as a formal dispute and demand for a cease and desist regarding the inaccurate reporting of this collection account. 
Thank you for your attention to this matter.

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