vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-02 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: FL

Complaint narrative:
I checked my credit report and I found several accounts that are not mine, I have limited time to check my credit report because I'm living most of the time in XXXX. Here I will include the accounts that are fraudulent and also an FTC report. 

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

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 2023-09-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report and I found several accounts that are not mine, I have limited time to check my credit report because I'm living most of the time in XXXX. Here I will include the accounts that are fraudulent and also an FTC report. 

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

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 2023-09-02 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$800.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} ; XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$24000.00} ; XXXX XXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX XXXX ; XXXX XXXXXX/XX/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 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 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 2023-09-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This was never my car loan car loan was for XXXX XXXX i never lived at the address that XXXX XXXX XXXX is on my credit and I would like for this to get removed of my credit report the account has been closed and paid off.

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 2023-09-02 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report. 
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 2023-09-02 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: NY

Complaint narrative:
To Whom It XXXX Concern : My name is XXXX XXXX and I reside at XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. All three major credit bureaus - XXXX, XXXX, and TransUnion - are inaccurately reporting a {$1900.00} account for " XXXX All Goods XXXX that I did not open or authorize. 

I have never had any financial account or business dealings with XXXX. However, this fictional debt continues to appear on my credit reports and severely damage my credit score. 

I have disputed this account in writing with all three credit bureaus multiple times, most recently on XX/XX/2023. However, all three have failed to reasonably investigate and remove the false information as required by the FCRA Section 611 and Section 623. 

This appears to be a violation of the Fair Credit Reporting Act and Section 15 of the Fair Debt Collection Practices Act regarding false and deceptive information. Despite my disputes, the credit bureaus and this furnisher refuse to correct this. 

I request the CFPB open an investigation into the credit bureaus noncompliance and require the immediate deletion of this inaccurate XXXX tradeline. Please contact me at [ phone number ] to discuss this issue further. Thank you. 

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 non-monetary relief
Consumer complaint received 2023-09-02 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: NY

Complaint narrative:
To Whom It May Concern : My name is XXXX XXXX and I reside at XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. All three major credit bureaus - XXXX, Equifax, and XXXX - are inaccurately reporting a {$1900.00} account for " XXXX  All Goods '' that I did not open or authorize. 

I have never had any financial account or business dealings with XXXX. However, this fictional debt continues to appear on my credit reports and severely damage my credit score. 

I have disputed this account in writing with all three credit bureaus multiple times, most recently on XX/XX/2023. However, all three have failed to reasonably investigate and remove the false information as required by the FCRA Section 611 and Section 623.

This appears to be a violation of the Fair Credit Reporting Act and Section 15 of the Fair Debt Collection Practices Act regarding false and deceptive information. Despite my disputes, the credit bureaus and this furnisher refuse to correct this. 

I request the CFPB open an investigation into the credit bureaus noncompliance and require the immediate deletion of this inaccurate XXXX tradeline. Please contact me at [ phone number ] to discuss this issue further. Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: CA

Complaint narrative:
XXXX XXXX XXXX made two hard pulls in 9 days for same product. one of these hard inquiries needs to be removed.

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 2023-09-02 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:
I am formally file to complaint these accounts which are seems to be incorrect. The payment history and date to late payments are inaccurate. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history. The Credit Bureaus are reporting false information and I believe the company is violating of the FCRA. Please assist me to correct the late payments from these accounts. The current status should not be showing late because I paid it on time. The Credit Reporting Agency lacks proper record keeping. The accounts are open and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.Kindly assist me to correct these immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise correct these following accounts immediately : XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$550.00} ; XXXX XXXX XXXX Balance : {$1600.00}.

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 2023-09-02 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:
I am formally file to complaint these accounts which are seems to be incorrect. The payment history and date to late payments are inaccurate. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history. The Credit Bureaus are reporting false information and I believe the company is violating of the FCRA. Please assist me to correct the late payments from these accounts. The current status should not be showing late because I paid it on time. The Credit Reporting Agency lacks proper record keeping. The accounts are open and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.Kindly assist me to correct these immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise correct these following accounts immediately : XXXX XXXX XXXXXXXX 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 2023-09-02 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:
The information on my credit report from Attorney General Child Support Office is incorrect. This case was settled in court 2 months ago. The case against me was dropped and closed upon agreement with the other party and court.

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 2023-09-02 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: TX

Complaint narrative:
I found an account for the amount of {$1200.00} on XX/XX/XXXX in my credit report that was apparently opened on XX/XX/XXXX for XXXX XXXX. Until this point, I had no idea who XXXX even was. I immediately began to email the company, XXXX, to report that this was not opened by me and to remove this from my credit report and was unable to get any help. I called and they always had phone issues where they could not hear me or somebody in XXXX would pretend that they did not speak English. When I spoke XXXX  to them, the phone connection got worse. This happened multiple times. 

The credit report only showed the first 4 digits of the account and the last two were shown as XXXX I sent a certified letter to the company and their response was that they need the full account number. I once again tried calling to explain the situation and no luck. Bad phone connection or somebody that just didnt know anything. I eventually sent another letter and got a response with the full account number, magically, but that they needed a lot of documents to verify the account. I sent them what they needed : Social security number, pay check stubs around the time the account was opened, credit report showing the account and License. I received no response. 

I've tried many things through varies agencies to try to help me, including Experian, and they could not get ahold of them on the phone either. The latest letter received on XX/XX/XXXX states that all of the information that I sent them matches what they have on file. Of course, it matches, it's identify theft. 

This company has provided little to no information and has not taken any steps to remedy this situation. I have a perfect credit report payment history EXCEPT for this company because who ever opened this account is defaulting on payments.

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 2023-09-02 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:
So I sent a letter off on XX/XX/2023 to remover my personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to any third party entity.

These are clear violations of my federally protected consumer rights.

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 2023-09-02 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: FL

Complaint narrative:
I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. However, if the Credit Bureaus failed to do so, they are obliged to removed the items which are fraudulent. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : 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

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 2023-09-02 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: FL

Complaint narrative:
I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. However, if the Credit Bureaus failed to do so, they are obliged to removed the items which are fraudulent. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this mattXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 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: TX

Complaint narrative:
The information on my credit report from Attorney General Child Support Office is incorrect. This case was settled in court 2 months ago. The case against me was dropped and closed upon agreement with the other party and court.

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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  XXXX with Account number XXXX is showing incorrect balance. the account is paid off with XXXX balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 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: LEXISNEXIS
State: OH

Complaint narrative:
Lexisnexis consistently causes emotional damage to me as a consumer. Not only is LexisNexis erroneously reporting an alleged bankruptcy on my consumer disclosure theyre very inconsistent with facts of their business investigation. Not only have I called LexisNexis after submitting my dispute, I have uploaded the documents requested through their consumer portal. I called on XXXX XXXX and authenticated myself 3/4 times with LexisNexis representatives and was told I didnt need to send any documents in to authenticate myself because they had already authenticated me over the phone. I then uploaded the documents they requested through the online portal which I have attached to this complaint. LexisNexis continues to prove that their investigation of my dispute is incomplete and unverifiable because their efforts to be thorough are unreliable. If LexisNexis cant verify myself as the consumer then how they verifying information that allegedly belongs inside my consumer file? Lastly, I have a right to privacy and I didnt give written permission to LexisNexis to furnish the inaccurate, unverifiable and incomplete information theyre reporting. There are inaccurate names, addresses, phone numbers and public records being reported that dont belong to me and I am forced to engage in arbitration and legal actions against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: NJ

Complaint narrative:
They are reporting multiple fraudulent trade lines on my account. I am entitled to a credit report with maximum accuracy so when I disputed this fraudulent Information they validated the debt as accurate illegally. Debt validation can not just be the original creditor telling them yes its their debt. This agency essentially with NO evidence validated fraudulent debt. Every-time this fraudulent debt is Verified as accurate which it is not a dispute will be filed with no exceptions. I have contacted an attorney and have been advised to file this report and dispute again. Failure to correct my report will result in a lawsuit for damages.

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 2023-09-02 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: NJ

Complaint narrative:
They are reporting multiple fraudulent trade lines on my account. I am entitled to a credit report with maximum accuracy so when I disputed this fraudulent Information they validated the debt as accurate illegally. Debt validation can not just be the original creditor telling them yes its their debt. This agency essentially with NO evidence validated fraudulent debt. Every-time this fraudulent debt is Verified as accurate which it is not a dispute will be filed with no exceptions. I have contacted an attorney and have been advised to file this report and dispute again. Failure to correct my report will result in a lawsuit for damages.

Company response to consumer: Closed with non-monetary relief