vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-10-05 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent information and accounts which do not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have already disputed these items several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting these items. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 explanation
Consumer complaint received 2022-10-05 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent information and accounts which do not belong to me STILL reposting on my file in Transunion. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have contacted the furnishers and they all agreed to DELETE the accounts from my file. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When asked why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) and they're not willing to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law and will not explain their policy. I need the accounts below to be deleted from my file : 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 2022-10-05 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: GA

Complaint narrative:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX OF XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$7200.00}

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 2022-10-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: NY

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not delete the account because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : 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 2022-10-05 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: NY

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require thi accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
On XX/XX/22 my account was hacked received a text called the bank filed a claim the bank then stated XX/XX/22 I cancelled the fraud claim and there was an investigation being done called the bank back employee stated they found my funds and should have my account back to normal in 48 hrs called the bank back now they are saying it can take 6-8 weeks my work checks are still being deposited my bills are getting behind and are being cut off I need help I have an account with navy federal credit union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
I have qualified for the Homeowner Assistance Program ( HAF ). The XXXX XXXX loan/grant could help me stay in my home. The agency keeps telling me to wait on mortgage carrier while the mortgage company keeps saying nothing was sent then sending increasing amounts of modification paperwork. 

XXXX XXXX XXXX Quality Control Reviewer XXXX XXXX XXXX XXXX XXXX XXXX XXXX Escalations to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: GA

Complaint narrative:
The inquiries and inaccurate personal information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to the credit bureau. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
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 Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/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 2022-10-05 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: GA

Complaint narrative:
The inaccurate personal information listed in my report was inaccurate. I requested that they investigate it and analyze my files by sending letters to the credit bureau. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Updated : XX/XX/XXXX ; XXXX Date Updated : XX/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 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Inquiries Do Not belong to me. have them remove from all 3 credit bureus ASAP FTC report # 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 2022-10-05 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: NY

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Experian to verify the disputed account and remove them if unable to prove that the account is mine. Experian is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged accounts. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

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 2022-10-05 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: NY

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Equifax to verify the disputed account and remove them if unable to prove that the account is mine. Equifax is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged accounts. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX and # XXXXXXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Inquiries Do Not belong to me. have them remove from all 3 credit bureus ASAP FTC report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Inquiries Do Not belong to me. have them remove from all 3 credit bureus ASAP FTC report # 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 2022-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In XXXX, i noticed a credit report remark in an email sent to me, saying Ally charged off my account. I called immediately and asked why it said that and what i could do, i have been trying for the past few months to get ally to work with me. I asked for lower payments and as well to have all late fees removed due to my hardship from covid. I have had nothing but issues with ally, they dont ever work with me in pleading for help. They refuse to actaully help you with your situation and rather just charge it off. I no longer even want to have the loan, i want to rescind my loan with them and get back all the money i have paid. I know my rights with consumer laws and i am asking for a rescission with the loan agreement i made with ally and i would like the title of my car to be released since ally has charged off the account, to have the lien removed and title sent directly to me in my name. Allys obligation with the car has been considered charged off and i no longer have an open account with them, i would like to remove any and all derogatory/negative/late remarks from my credit report immediately. I want the account to be changed to positive or settled in full or a completed status. I will not hesitate to look deeper into my rights as a consumer and take legal matters if necessary if ally does not cooperate or release the title held in their possession to me with no lien as well as my full refund of the total amounts i have paid, around {$8000.00} approximately. Please respond and mail all requested items directly to me within 7-10 days. If i do n ot hear a response or receive requested documents and refunds, i will seek legal proceedings afterwards. Thank you

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 2022-10-05 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-10-05 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-10-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I am just getting harassed continuously everyday, I get called around 15 times a day from unknown numbers.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation