vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 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: LA

Complaint narrative:
XX/XX/XXXX XXXX The credit bureaus stated Account Name & Account # was properly investigated but how is that possible if they did not properly show me proof of a proper investigation. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report Accounts 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 2022-11-16 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: LA

Complaint narrative:
XX/XX/XXXX XXXX The credit bureaus stated Account Name & Account # was properly investigated but how is that possible if they did not properly show me proof of a proper investigation. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report Accounts 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 2022-11-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2022-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX INACCURACY : XXXX OPEN DATE : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQIFAX : XX/XX/XXXX XXXX XXXX INACCURACY : XXXX OPEN DATE : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX LAST PAYMENT : EQUIFAX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQIFAX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQIFAX : XX/XX/XXXX XXXX XXXX XXXX XXXX OPEN XXXX : XX/XX/XXXX XXXX OPEN XXXX : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX OPEN XXXX : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX : XXXX OPEN XXXX : XX/XX/XXXX XXXX OPEN XXXX : XX/XX/XXXX EQUIFAX OPEN DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQUIFAX : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQUIFAX : XX/XX/XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX EQIFAX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX EQIFAX DATE OPEN : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQIFAX : XX/XX/XXXX I have already sent letters to the credit bureaus asking them to verify the debt on my report. They have sent back stating that everything is verified. My credit report is still showing inaccurate information. I took a closer look to see that XXXX things were still incorrect. I have pulled my reports and see numerous inaccurate things. As well as saying different dates, and numbers on each credit report. This violates XXXX XXXX. XXXX ( a ) ( XXXX ) 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 the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX INACCURACY : XXXX OPEN DATE : XX/XX/XXXX EXPERIAN OPEN DATE : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX INACCURACY : XXXX OPEN DATE : XX/XX/XXXX EXPERIAN OPEN DATE : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX XXXX XXXX INACCURACY : XXXX OPEN DATE : XX/XX/XXXX EXPERIAN OPEN DATE : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX INACCURACY : XXXX OPEN DATE : XX/XX/XXXX EXPERIAN OPEN DATE : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX : XXXX OPEN XXXX : XX/XX/XXXX EXPERIAN OPEN XXXX : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX XX/XX/XXXX XXXX INACCURACY : XXXX OPEN XXXX : XX/XX/XXXX EXPERIAN OPEN XXXX : XX/XX/XXXX XXXX OPE DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX XX/XX/XXXX XXXX INACCURACY : XXXX OPEN XXXX : XX/XX/XXXX EXPERIAN OPEN XXXX : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX INACCURACY : XXXX  DATE XXXX : XX/XX/XXXX EXPERIAN DATE XXXX : XX/XX/XXXX XXXX DATE OPEN : XX/XX/XXXX LAST ACTIVE : XXXX XXXX XXXX : XX/XX/XXXX EXPERIAN DATE XXXX : XX/XX/XXXXXXXX XXXX  DATE OPEN : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have already sent letters to the credit bureaus asking them to verify the debt on my report. They have sent back stating that everything is verified. My credit report is still showing inaccurate information. I took a closer look to see that numerous things were still incorrect. I have pulled my reports and see numerous inaccurate things. As well as saying different dates, and numbers on each credit report. This violates XXXX XXXX. XXXX ( a ) ( XXXX ) 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 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 2022-11-16 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: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2022-11-16 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no 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 2022-11-16 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: TX

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 XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name.

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 2022-11-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: TX

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 XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: TX

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
In regards to the transaction on XX/XX/2022, {$280.00} sent to XXXX XXXX ( XXXX ID XXXX ) was an unauthorized transaction. I mistakenly filed a dispute through Paypal claiming the product was never received, but it was an unauthorized transaction. There is no way for me to change the reason that I filed the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I had a credit card with XXXX XXXX XXXX XXXX opened XX/XX/XXXX it was Charged off XX/XX/XXXX. I was in prison. I got out XX/XX/XXXX. Immediately went to fixing my credit. I contacted company who was listing it as " cllosed, {$140.00} written off ''. I made an agreemente with them that i woulld pay it off immediatelly if they agreed to reflect. the acccount being paid, closed, and no balance when cllosed. In XX/XX/XXXX I paid {$140.00} on the XXXX of XX/XX/XXXX. It was Reflected as " paid, closed, {$140.00} written off. They refused to removed hte {$140.00} written off. This shouldl be removed since it was paid in full. that is problem XXXX problem XXXX The account which was cllosed on XXXX as XXXX  out of nowwhere XXXX reporting again and in XXXX XXXX of XXXX it reflected XXXX months of XXXX  .. ruining my credit at a time i was taking a XXXX  loan. I have been sending lletters to them ( XXXX XXXX XXXX. i have spoke to agents who say they can not do anything. and experien I have disputed it with 6 times. each time the agent saying i was right, and they will fix it. 6 month back and forth they are no fixing anything .neither companies. I missed an entire semester of school because i was not elegible for a laon that i was elegibble the day before XXXX  score dropped. I begged and pleaded and no one could help HOW IS IT THAT A CLOSED ACCOUNT STRANGELY RE OPENS. WHATEVER GLITCH IT XXXX IS THERE PROBLEM TO FIX YET XXXX THE ONE WHO IS BEING HURT BY IT FOR 6 MONTHS NOW ... XXXX GON NA MISS ANOHTHER SEMESTER OF XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY HARD WORK UP. BUT NO O XXXX WANTS TOO. i HAVE PAID EXPERIAN XXXX DOLLARS A MONTH TO BE BILLLED FOR SOME XXXX. THANK XXXX ... I WILLL NEVER AGAIN USE EXPERIAN. tHEY ARE CROOKS WHO DONT CARE. XXXX XXXX A fair sollution would be to remove it completely from my report. Its about XXXX XXXX XXXX. but the main reason is for hte last 6 months i have record of contact them and begging them ... ..begging! to fix it the report. when it snowed, i XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I just want to get treated fairly. this is is unnacepetable every one can see its a mistake. 

i attached documnets shows when they closed, when i paid, the amount, the balance, the amount and what i paid. i will also attach the report that is hurtin my credit sooo bad

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 2022-11-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name.

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 2022-11-16 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: GA

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-11-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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