vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax has been reporting misleading information on my credit report. I sent dispute letter to the company multiple times and they keep saying its verified but they have not supplied any supporting documents letting me know how. They never supplied sufficient information to me in order to validate the debt. I do not agree with their actions. I have challenged the accuracy and integrity of the information. 12 cfr 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) state that data furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer.

12CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I ( XXXX XXXX ) was involved in a XXXX case along with my boyfriend XXXX XXXX XXXX XXXX and we were both sent to XXXX XXXX by XXXX, she was a representative for the XXXX XXXX XXXX XXXX XXXX XXXX and who we were ex clients of. We were sent to XXXX XXXX for treatment for our injuries. XXXX had stated that we won't have to pay for any bills whether it was a win or loss case. After the case was over, we both were getting bills from XXXX XXXX sent to our mailing addresses. XXXX notified XXXX about the bills and she said not to worry about them, she wanted XXXX to take pictures of the bills and send them to her so that she can handle it. She stated that we should not be paying any bills to any doctors that she referred us to. As time passes by, we checked our credit scores and we been wrongfully sent to collections when we were not at fault nor responsible. My boyfriend had contacted XXXX about the collections but, she has been little to no help whatsoever, she does not respond to his messages. We both filed and submitted a dispute late XXXX with XXXX and Equifax with mixed results. My boyfriend XXXX XXXX XXXX XXXX had his collections removed from his credit score account by XXXX but Equifax has not so he submitted his own complaint. As for me, XXXX has removed the collections from my credit account on XX/XX/XXXX. For unknown reasons, XXXX added the collections back to my account on XX/XX/XXXX. I tried calling them to find out why, no pick up. For Equifax, I filed the exact same dispute and I was not satisfied with my results. I do not understand why XXXX removed the collections and put it back into my account 5 days later. This is not a game, it is a serious problem and I do not appreciate how this is being handled by the credit bureaus. I also do not understand why my boyfriends collections has been removed by XXXX and mine has not when we both filed the same exact dispute, no changes or differences between our disputes. I have supporting evidence to back up my complaint, screenshots my boyfriend XXXX XXXX XXXX XXXX took of his conversations with XXXX. Side note ; XXXX contacted XXXX XXXX XXXX himself, he said that he will be of assistance and send a letter soon stating that we were not at fault and that we shouldn't have gotten sent to collections by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Continental Credit Control
State: CA

Complaint narrative:
I ( XXXX XXXX ) was involved in a XXXX case along with my boyfriend XXXX XXXX XXXX XXXX and we were both sent to XXXX XXXX by XXXX, she was a representative for the XXXX XXXX XXXX XXXX XXXX XXXX and who we were ex clients of. We were sent to XXXX XXXX for treatment for our injuries. XXXX had stated that we won't have to pay for any bills whether it was a win or loss case. After the case was over, we both were getting bills from XXXX XXXX sent to our mailing addresses. XXXX notified XXXX about the bills and she said not to worry about them, she wanted XXXX to take pictures of the bills and send them to her so that she can handle it. She stated that we should not be paying any bills to any doctors that she referred us to. As time passes by, we checked our credit scores and we been wrongfully sent to collections when we were not at fault nor responsible. My boyfriend had contacted XXXX about the collections but, she has been little to no help whatsoever, she does not respond to his messages. We both filed and submitted a dispute late XXXX with XXXX and XXXX with mixed results. My boyfriend XXXX XXXX XXXX XXXX had his collections removed from his credit score account by XXXX but XXXX has not so he submitted his own complaint. As for me, XXXX has removed the collections from my credit account on XX/XX/XXXX. For unknown reasons, XXXX added the collections back to my account on XX/XX/XXXX. I tried calling them to find out why, no pick up. For XXXX, I filed the exact same dispute and I was not satisfied with my results. I do not understand why XXXX removed the collections and put it back into my account 5 days later. This is not a game, it is a serious problem and I do not appreciate how this is being handled by the credit bureaus. I also do not understand why my boyfriends collections has been removed by XXXX and mine has not when we both filed the same exact dispute, no changes or differences between our disputes. I have supporting evidence to back up my complaint, screenshots my boyfriend XXXX XXXX XXXX XXXX took of his conversations with XXXX. Side note ; XXXX contacted XXXX XXXX XXXX himself, he said that he will be of assistance and send a letter soon stating that we were not at fault and that we shouldn't have gotten sent to collections by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Sc XXXX has been reporting false information, about me, to the credit bureaus for over 2 years. 
I filed a police report for fraud and identity theft, regarding this account and others. 

The account has been removed from my credit report on multiple locations but after it is removed XXXX XXXX XXXX will then have it reported to my credit report again under their partner, Collection Agency, XXXX XXXX, XXXX. 

Same owner ( s ), same city, state and address. 
As of XX/XX/2021, They are claiming that I owe them a loan in the amount of {$24000.00}. I have never taken a personal loan out with this company and I certainly have no written agreement with them. 

In XXXX XXXX XXXX, I faxed and certified mail them a letter asking for proof of this loan that they're claiming that I owe them. I also demanded that they contact the credit bureaus and have this false collection account removed from my credit bureau. I was never sent written proof of this loan agreement, nor was the collection removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
XXXX XXXX has a collection reporting to my credit and I have never had an account with them, Ive only ever lived with my parents, where I dont pay bills. I have had no other address other than XXXX XXXX XXXX XXXX. This account has had to been opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: The Bureaus, Inc.
State: MD

Complaint narrative:
I have disputed this acount several times for several violations according to FDCPA and FCRA 15 USC 1692e. False or misleading representation. 
I have also asked them several times to provide verification methods and they have ignored me it been over 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: IL

Complaint narrative:
Lexisnexis is reporting inaccurate information to my consumer report. They are reporting a public record which I never gave written instructions to do so and have been causing me injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on 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 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have disputed this acount several times for several violations according to FDCPA and FCRA 15 USC 1692e. False or misleading representation. 
I have also asked them several times to provide verification methods and they have ignored me it been over 30 days

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 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have disputed this acount several times for several violations according to FDCPA and FCRA 15 USC 1692e. False or misleading representation. 
I have also asked them several times to provide verification methods and they have ignored me it been over 30 days

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 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
They claim I was not making payments it 6 days after car was bought it was involved in wreck and was other parts fault now we settled in court and the van was paid in full as you will see it was a lump sum once court settlement came thru and it keeps destroying my credit please all Im asking is then change it to no missed payments due to other party not wanting to settle at first now I can provide court documents when I went and if this is not handled I will find a tax lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The Consumer Reporting Agencies are not only willfully but negligently reporting negative information to my credit file. After numerous attempts at communication with them, they have not responded in accordance to the Fair Credit Reporting Act and have extremely affected my ability to extend credit.

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 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The Consumer Reporting Agencies are not only willfully but negligently reporting negative information to my credit file. After numerous attempts at communication with them, they have not responded in accordance to the Fair Credit Reporting Act and have extremely affected my ability to extend credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX  Credit Card was reported on to my credit profile on XX/XX/XXXX. 

XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am victim of identity theft because I didn't apply for this credit card and I don't own this credit card I have contacted the credit bureau and put a security feeze on my credit profile. I reported this as identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : 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 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 2022-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation