vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-15 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: MO

Complaint narrative:
This is XXXX XXXX and I am submitting this CFPB compalint to you today to order the Credit Bureaus to update and correct the dispute accounts and information that are erroneously reporting on my Credit report! I have been sending multiple letters requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as place temporarily remove or update these items from my report during the investigation period. As of this date, you have failed to respond to my request. Again, please reinvestigate if the following items are inaccurate, incomplete and outdated. 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 need to investigate and correct 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 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 explanation
Consumer complaint received 2022-08-15 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: BARCLAYS BANK DELAWARE
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. 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 account need to investigate and correct from erroneous reporting in my file are listed on my credit report : BRCLYSBANKDE  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 2022-08-15 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: FL

Complaint narrative:
There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items : Late Payment XXXX # XXXX XXXX XXXX  # XXXX XXXX  # XXXX Collection XXXX/XXXX  # XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX  # XXXX No Category 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 2022-08-15 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: FL

Complaint narrative:
There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items : Late Payment XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX Collection XXXX # XXXX XXXX  # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX  # XXXX No Category 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 2022-08-15 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: WA

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 previously started looking into the report that included false information, and after reading your response, I saw that the report still contained false information despite having a confirmed status. Please validate this account 's status and payment history for me. I think the information being reported by this account is false. I always make my payments on time, so I never had a late payment on this account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the following account : XXXX XXXX XXXX Late Date XX/XX/20

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 2022-08-15 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: WA

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 previously started looking into the report that included false information, and after reading your response, I saw that the report still contained false information despite having a confirmed status. Please validate this account 's status and payment history for me. I think the information being reported by this account is false. I always make my payments on time, so I never had a late payment on this account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the following account : XXXX XXXX XXXX Late Date XX/XX/20

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 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

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 previously started looking into the report that included false information, and after reading your response, I saw that the report still contained false information despite having a confirmed status. Please validate this account 's status and payment history for me. I think the information being reported by this account is false. I always make my payments on time, so I never had a late payment on this account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the following account : XXXX XXXX XXXX Late Date XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: MO

Complaint narrative:
This is XXXX XXXX and I am submitting this CFPB compalint to you today to order the Credit Bureaus to update and correct the dispute accounts and information that are erroneously reporting on my Credit report! I have been sending multiple letters requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as place temporarily remove or update these items from my report during the investigation period. As of this date, you have failed to respond to my request. Again, please reinvestigate if the following items are inaccurate, incomplete and outdated. 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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance Owed : {$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 non-monetary relief
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This is XXXX XXXX and I am submitting this CFPB compalint to you today to order the Credit Bureaus to update and correct the dispute accounts and information that are erroneously reporting on my Credit report! I have been sending multiple letters requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as place temporarily remove or update these items from my report during the investigation period. As of this date, you have failed to respond to my request. Again, please reinvestigate if the following items are inaccurate, incomplete and outdated. 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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items : Late Payment XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX Collection XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  # XXXX No Category XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
This is not my debt. They cant prove that the account belongs to me. Im victims of a scam due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: 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. 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 account need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 2022-08-15 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: 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. 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 account need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 2022-08-15 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: AL

Complaint narrative:
I want to inform you AGAIN I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$1200.00} XXXX  XXXX XXXX XXXX  Date Opened XX/XX/XXXX Date Opened Balance {$810.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$630.00}

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 2022-08-15 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: AL

Complaint narrative:
I want to inform you AGAIN I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Date Opened Balance {$810.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: MO

Complaint narrative:
This is XXXX XXXX and I am submitting this complaint to urge the Credit Bureaus to correct and updtae the disputed accounts from my Credit Report. I am submitting this compkaint addressed to the Credit Bureaus in response to their current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix : XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX  XXXX Balance Owed : {$1500.00}

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 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Denefits LLC
State: FL

Complaint narrative:
The company does not exist or I should say vanished, and it still shows a balance on my credit report. Id like to remove the account from my account.

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
Consumer complaint received 2022-08-15 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: MO

Complaint narrative:
This is XXXX XXXX and I am submitting this complaint to urge the Credit Bureaus to correct and updtae the disputed accounts from my Credit Report. I am submitting this compkaint addressed to the Credit Bureaus in response to their current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX* Balance Owed : {$2000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00}

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 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This is XXXX XXXX and I am submitting this complaint to urge the Credit Bureaus to correct and updtae the disputed accounts from my Credit Report. I am submitting this compkaint addressed to the Credit Bureaus in response to their current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix : XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX** Balance Owed : {$2000.00} XXXXXXXX XXXXXXXX XXXX Balance Owed : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: AL

Complaint narrative:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX , AL 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