vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 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: NY

Complaint narrative:
This account was charged off on XX/XX/XXXX on experian it continued to update as charged off in both XXXX and XXXX XXXX on experian it reports XXXX potentially XXXX XXXXXXXX XXXX On XXXX it reports XXXX Potentially XXXX XXXX and shows no Payment history on XXXX.On experian it reports account type as " Charge Card '' on XXXX as Revolving account and on XXXX XXXX Revolving account. On XX/XX/XXXX Experian reports on time payment in XX/XX/XXXX on XXXX it reports XXXX  days XXXXOn XXXX it shows XXXX  days late repeatedly in XXXX, XXXX, XXXX of XXXX inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX XXXX Number XXXX Enclosed is a copy of 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 2024-04-09 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: FL

Complaint narrative:
XX/XX/2024 According to the Fair Credit Reporting Act 15 USC 1681 section 602 it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " You are a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to YOU, whether it be verbal, non-verbal, written, implied or otherwise is revoked. These accounts ; XXXX XXXX XXXX XXXX  {$870.00} ; XXXX XXXX {$1900.00} ; XXXX XXXX {$450.00} ; XXXX XXXX XXXX  {$580.00} ; XXXX XXXX - {$14000.00} Inquiries - XXXX XXXX {$0.00} XXXX XXXX {$0.00} are an adverse item they are reporting again without my permission which 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. c YOU are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Please remove these ; XXXX XXXX XXXX - {$870.00} ; XXXX XXXX {$1900.00} ; XXXX XXXX {$450.00} ; XXXX XXXX XXXX {$580.00} ; XXXX XXXX XXXX {$14000.00} Inquiries - XXXX XXXX {$0.00} XXXX XXXX {$0.00} items from credit report and mail an updated copy of report free of charge : in good faith

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: FL

Complaint narrative:
XX/XX/year> According to the Fair Credit Reporting Act 15 USC 1681 section 602 it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " You are a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to YOU, whether it be verbal, non-verbal, written, implied or otherwise is revoked. These accounts ; XXXX XXXX XXXX - {$870.00} ; XXXX XXXX {$1900.00} ; XXXX XXXX {$450.00} ; XXXX  XXXX XXXX {$580.00} ; XXXX  XXXX - {$14000.00} Inquiries - XXXX XXXX {$0.00} XXXX XXXX {$0.00} are an adverse item they are reporting again without my permission which 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. c YOU are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Please remove these ; XXXX XXXX XXXX - {$870.00} ; XXXX XXXX {$1900.00} ; XXXX XXXX {$450.00} ; XXXX  XXXX XXXX {$580.00} ; XXXX  XXXX - {$14000.00} Inquiries - XXXX XXXX {$0.00} XXXX XXXX {$0.00} items from credit report and mail an updated copy of report free of charge : in good faith

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 2024-04-09 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: VA

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 2024-04-09 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: FL

Complaint narrative:
XX/XX/2024 According to the Fair Credit Reporting Act 15 USC 1681 section 602 it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " You are a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to YOU, whether it be verbal, non-verbal, written, implied or otherwise is revoked. These accounts ; XXXX XXXX XXXX  - {$870.00} ; XXXX XXXX {$1900.00} ; XXXX XXXX {$450.00} ; XXXX XXXX XXXXXXXX {$580.00} ; XXXX  XXXX - {$14000.00} Inquiries - XXXX XXXX {$0.00} XXXX XXXX {$0.00} are an adverse item they are reporting again without my permission which 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. c YOU are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Please remove these ; XXXX XXXX XXXX - {$870.00} ; XXXX XXXX {$1900.00} ; XXXX XXXX {$450.00} ; XXXX XXXX XXXX {$580.00} ; XXXX XXXX XXXX {$14000.00} Inquiries - XXXX XXXX {$0.00} XXXX XXXX {$0.00} items from credit report and mail an updated copy of report free of charge : in good faith

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 2024-04-09 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: GA

Complaint narrative:
The following companies refuse to remove the following items off my report as they were opened due to fraud. I have requested removal and blocking time past but they refuse to remove even after I asked for contracts within the XXXX day time span according to FTC law. 
Amounts : 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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The following companies refuse to remove the following items off my report as they were opened due to fraud. I have requested removal and blocking time past but they refuse to remove even after I asked for contracts within the 15 day time span according to FTC law. 
Amounts : XXXX ; XXXX ; XXXX ; XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-04-09 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: OH

Complaint narrative:
I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$340.00}

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 2024-04-09 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: OH

Complaint narrative:
I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$340.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: GA

Complaint narrative:
I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ) and formally request the immediate removal of charged-off accounts from my credit report. The presence of these accounts not only inaccurately reflects my financial standing but also constitutes a defamation of my character. 

Under the FCRA, it is mandated that consumer credit information reported by credit reporting agencies must be accurate, relevant, and timely. However, the charged-off accounts listed below fail to meet these standards and must be removed without delay : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/XXXX. Balance : {$1800.00} ( as of XX/XX/XXXX ) Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$1600.00} written off. {$1600.00} past due as of XX/XX/XXXX. Balance : {$1600.00} ( as of XX/XX/XXXX ) Account Name : XXXX XXXX Account Number : XXXX. Date Opened : XX/XX/XXXX Status : Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/XXXX. Balance : {$2400.00} ( as of XX/XX/XXXX ) Furthermore, I have never received a XXXX Form related to any of the alleged debts. It has come to my attention that these companies have utilized the debts as tax write-offs without providing proper notification, which further exacerbates the inaccuracies on my credit report. 

Per FCRA regulations, charged-off accounts should reflect a {$0.00} balance and be removed from my credit report accordingly. I demand that immediate action be taken to rectify this situation and restore the accuracy of my credit report. 

Failure to comply with this request within the mandated timeframe will result in further legal action to enforce my rights under the FCRA. I expect your prompt attention and cooperation in resolving this matter. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: TX

Complaint narrative:
I am writing to express my profound frustration and disappointment with the ongoing presence of late open accounts on my record despite repeated attempts to correct them. 

This marks the third time I am contacting your office regarding this matter, and unfortunately, the issue remains unresolved. The continued presence of these late open accounts not only tarnishes my financial standing but also reflects poorly on your organization 's ability to address and rectify customer concerns in a timely manner. 

Given the repeated nature of this issue, I demand immediate action to rectify the situation. I expect a comprehensive response outlining the exact steps that will be taken to investigate and correct the late open accounts without further delay. 

Please understand that this communication serves as both a formal complaint and a plea for urgent resolution. With this, I am asking for your assistance to correct these accounts in my credit file : XXXXXXXX XXXX XXXXXXXX Balance : {$5700.00} ; XXXX XXXX XXXXXXXX Balance : {$5400.00}.

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 2024-04-09 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: TX

Complaint narrative:
I am writing to express my profound frustration and disappointment with the ongoing presence of late open accounts on my record despite repeated attempts to correct them. 

This marks the third time I am contacting your office regarding this matter, and unfortunately, the issue remains unresolved. The continued presence of these late open accounts not only tarnishes my financial standing but also reflects poorly on your organization 's ability to address and rectify customer concerns in a timely manner. 

Given the repeated nature of this issue, I demand immediate action to rectify the situation. I expect a comprehensive response outlining the exact steps that will be taken to investigate and correct the late open accounts without further delay. 

Please understand that this communication serves as both a formal complaint and a plea for urgent resolution. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX  XXXX Balance : {$5400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: OH

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$400.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$780.00} XXXX XXXX FIN XXXX Balance : {$2800.00}

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$780.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX AND TRUS XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX  Balance : {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
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 XXXX XXXX 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