vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 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: IL

Complaint narrative:
I noticed some unauthorized credit inquiries on my report, and despite my previous request for their removal, the bureau has not complied. I am now providing an identity theft report as evidence and kindly ask that these inaccurate inquiries be removed from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 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: NV

Complaint narrative:
After checking my credit report I recently realized that my mortgage company XXXX XXXX XXXX Bank were reporting a 30 day late payment for XX/XX/2023. Right away I realized that was a mistake. I have recently experienced a financial hardship and was approved for assistance on paying my mortgage loan through a company called " Nevada XXXX Assistance XXXX, ( XXXX ). '' Immediately I logged onto my account to confirm when my initial mortgage payment started. After logging onto my account it stated that I was " approved and funded '' on XX/XX/XXXX of 2023. It also has a section labeled " status '' that confirms whether a payment is processing, pending or has been paid. My Status for that payment is recorded as " paid '' on XX/XX/2023 ( XXXX ). I tried to print that information as well but the page kept getting cut off on that section, but you can clearly see the " XXXX, XXXX '' which is a clear indication that my mortgage was paid in XXXX. I will upload the document so you can see exactly what I'm explaining on this complaint. All of this information proves that I was never 30 day 's late on making my payment in XXXX, I paid on time within the 30 day timeframe. 

I called XXXX XXXX XXXX XXXX to explain what they were reporting to the credit bureau was incorrect and it should be an on time payment rather than a 30 day late payment. They continued to say " our records show you were 30 days late, and you have to make a dispute with the credit bureau. '' Once I made a disputed for the 30 day late payment they denied my request to correct the mistake, which led me hear to file this complaint.

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 2024-07-08 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: CA

Complaint narrative:
I had recently been lucky enough to have a friend put me as an authorized user on his XXXX XXXX, this XXXX XXXX has a {$18000.00} limit with a XXXX balance and was opened in XXXX, my credit score at the time was starting to go up it was about XXXX and I was placed as a authorized user about a week after that. Once it went through and the credit bureaus picked it up and accounted for it, I believe they unfairly and for no reason that they could explain or anybody else for that matter, dropped my score XXXX points instead of increased it. This card was triple my current credit limit, it was XXXX times my credit age and it should have increase my score quite a bit but there's absolutely no other indication that anything else happened, no closed accounts or anything strange in a long time, and most definitely not on the day they factored in this severe drop, so I called the credit Bureau in question ( XXXX ) and I asked them what's going on. The gentleman could not explain it, he could not find any reason for it and he even mentioned that it's probably just a malfunction within the system. My credit utilization has been at 3 % and I have been paying all of my bills and trying my darndest to save my family 's legacy with a auto repair shop that is struggling severely that was opened in XXXX by my grandfather. I have done everything I can to appease the bureaus but no matter what I do it seems to go back the other way and most of the time they can't explain it, what I'm asking for is to please look into my credit score as a whole because I feel like I have been unjustly prejudiced against from past grievances, As if a higher credit Limit and XXXX times the credit age is somehow a negative. I used the bureau 's simulator to see what I would have to do to get a score drop that's severe of XXXX points and I would have had to have claimed bankruptcy for it to even to get close and it still wouldn't be XXXX points. I believe it was supposed to go up XXXX points from getting that card not down XXXX. There's nothing else that happened that day nothing came in that was new as far as a closed account or any type of derogatory, I had multiple professionals check my report and I went over it with a fine tooth comb XXXX times myself to see what was going on and why this drop when it should have been going up, but it was only that card that was added which was supposed to be a huge positive for me, I was going to be able to apply for a XXXX loan and save my father 's company, Instead we're about to lose everything if this doesn't get fixed soon and I start getting treated fairly by these credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to express my frustration and disappointment with Fifth Third Bank for charging me excessive fees after my car loan term has ended. 

On XX/XX/XXXX, I took out a car loan for {$55000.00}, with an interest rate of 7.24 % for a XXXX term with Fifth Third Bank, for a new XXXX XXXX XXXX. The regular monthly payment was fixed at {$910.00} but usually, I paid {$950.00} on time, never late. I made the first initial payment on XX/XX/XXXX, and just submitted the last payment today XX/XX/XXXX. 

Despite fulfilling all of my payment obligations, I have been hit with unexpected and unreasonable charges of {$3400.00} that have been a significant financial burden. 

Additionally, I have repeatedly requested that Fifth Third Bank release my car title now that the loan has been paid off in full. However, they have refused to do so, causing further stress and inconvenience. 

I expect Fifth Third Bank to rectify this situation immediately by waiving the excessive charges and releasing my car title without any further delay. However, their failure to comply has forced me to report this unethical behavior to your authorities and explore avenues to seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receiptXXXX 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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I demand that the {$0.00} collection/charge off account for XXXX XXXX XXXX be deleteXXXX from my credit report as the information is still being incorrectly reported on my credit report. This account is appearing as a negative status on my credit report and is causing me financial harm. It needs to be removed immediately from my credit report. It has been reporting negatively on my consumer report since XX/XX/year>. Any/all further inquiries posted on my consumer report MUST have my written consent. ATTENTION : Following deletion of these accounts and/or data, please send me a free copy of my updated consumer report reflecting the changes that have been made.

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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I demand that the {$0.00} collection/charge off account for XXXX XXXX XXXX XXXX XXXX from my credit report as the information is still being incorrectly reported on my credit report. This account is appearing as a negative status on my credit report and is causing me financial harm. It needs to be removed immediately from my credit report. It has been reporting negatively on my consumer report since XX/XX/year>. Any/all further inquiries posted on my consumer report MUST have my written consent. ATTENTION : Following deletion of these accounts and/or data, please send me a free copy of my updated consumer report reflecting the changes that have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-07-08 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: DC

Complaint narrative:
Hi, i am submitting this XXXX XXXX XXXX this isn't under any influence of anyone else and this is not third party. The three major credit bureaus are showing low and inaccurate credit scores and repots for me in their system. I have complained to these credit bureaus for over 60 days. I spoke to representatives from each. XXXX ( XXXX XXXX, Equifax ( XXXX XXXX, XXXX ( XXXX ) from the fraud departments. I asked to speak to Us rept but they refused and/or had me on hold for hours. I do not why they chose to abuse me. They are supposed to be protecting and helping their consumers. Please help me as i am extremely FRUSTRATED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: TN

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate. 
Account name : XXXX XXXX XXXX Account number : XXXX Dated Account was opened : XX/XX/year>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 2024-07-08 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate. 
Account name : XXXX XXXX XXXX Account number : XXXX Dated Account was opened : XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: TN

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-07-08 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate. 
Account name : XXXX XXXX XXXX Account number : XXXX Dated Account was opened : XX/XX/20XXXX 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 2024-07-08 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: LA

Complaint narrative:
XXXX XXXXXXXX XXXX ACCOUNT # XXXX Under the FCRA, credit reporting law everything reporting must be true and accurate. Failure to properly investigate is a violation. The above account is not my account and I have no longer of this account. Please provide me proof of accuracy : This company failed to provide proof of this debt. This need to be removed from my credit report. 

I have not supplied proof under the doctrine by silence Engelhart v Graven ( no ) 281 SW 715 719. I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist. 

Please removed XXXX XXXX XXXX  account # XXXX from my credit profile.

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