vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 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: IL

Complaint narrative:
I am writing regarding the ongoing issue concerning the late open accounts inaccurately listed on my credit report. I have provided all necessary documentation and followed the required procedures to dispute these erroneous entries. The persistent presence of these inaccuracies is unacceptable and reflects poorly on your organizations commitment to accurate reporting and customer service. It is imperative that this issue be escalated immediately to ensure a thorough and expedited resolution. 

I require the following actions to be taken promptly : Immediate Correction of Late Open Accounts : Ensure that all late open accounts are accurately reported on my credit file, reflecting their true status.

Thorough Investigation : Conduct a comprehensive review to identify and address the root cause of these inaccuracies, implementing robust measures to prevent future occurrences.

Regular Updates : Provide timely and transparent updates regarding the progress of the investigation and the corrective actions being undertaken. 
Compensation : Consider appropriate compensation for the undue stress, time, and potential financial impact I have endured due to these persistent inaccuracies. 
Failure to address this issue promptly will leave me with no choice but to escalate the matter further, including seeking assistance from regulatory authorities to ensure compliance and protection of my consumer rights. With this, I am asking for your assistance to correct the accounts : XXXX XXXX XXXX Balance Owed : {$370000.00} ; 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 2024-05-24 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: IL

Complaint narrative:
I am writing regarding the ongoing issue concerning the late open accounts inaccurately listed on my credit report. I have provided all necessary documentation and followed the required procedures to dispute these erroneous entries. The persistent presence of these inaccuracies is unacceptable and reflects poorly on your organizations commitment to accurate reporting and customer service. It is imperative that this issue be escalated immediately to ensure a thorough and expedited resolution.

I require the following actions to be taken promptly : Immediate Correction of Late Open Accounts : Ensure that all late open accounts are accurately reported on my credit file, reflecting their true status.

Thorough Investigation : Conduct a comprehensive review to identify and address the root cause of these inaccuracies, implementing robust measures to prevent future occurrences. 
Regular Updates : Provide timely and transparent updates regarding the progress of the investigation and the corrective actions being undertaken. 
Compensation : Consider appropriate compensation for the undue stress, time, and potential financial impact I have endured due to these persistent inaccuracies. 
Failure to address this issue promptly will leave me with no choice but to escalate the matter further, including seeking assistance from regulatory authorities to ensure compliance and protection of my consumer rights. With this, I am asking for your assistance to correct the accounts : XXXX XXXX XXXX Balance Owed : {$370000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: TX

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 non-monetary relief
Consumer complaint received 2024-05-24 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: IL

Complaint narrative:
I am writing to formally express my ongoing frustration and disappointment regarding the unresolved issue of fraudulent items on my credit report, despite my numerous attempt to rectify this situation. Despite providing comprehensive evidence and following the prescribed procedures diligently, the fraudulent items persist on my report. This ongoing issue not only undermines my financial credibility but also reflects negatively on the accuracy and integrity of the credit reporting system.

Under section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated that any accounts found to be opened due to identity theft must be promptly removed from my credit report upon receipt of an FTC fraud report. I have previously submitted all necessary documentation to support my claim, yet the fraudulent accounts listed below remain on my credit report : Failure to address this matter promptly and effectively will compel me to explore alternative avenues to seek redress. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-24 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2024-05-24 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-24 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:
This is XXXX XXXX XXXX , i just want to file a complianr about my account in my credit file, that reporting innacurrate late payments. 

XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : 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 2024-05-24 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:
This is XXXX XXXX XXXX , i just want to file a complianr about my account in my credit file, that reporting innacurrate late payments. 

XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I was trying to look to online school and than the company some how it change me {$170.00} without my permission See I have apply credit and it on my XXXX wallet and I was looking at the school throw my XXXX I tried to contact the school more than one time for over weeks than I called my credit company to help me but they didnt do help me only keep dispute with out no sense why they have the right to take my money that I didnt made for it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: MI

Complaint narrative:
It has been drawn out into the open that the 3 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. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 non-monetary relief
Consumer complaint received 2024-05-24 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: VA

Complaint narrative:
According to FCRA 605B, you are required to delete any erroneous accounts from my credit report. This account has been incorrectly reported on my credit file, so it needs to be removed. I should receive {$1000.00} for each mistake on my credit file.

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 2024-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: VA

Complaint narrative:
I am diligent about paying on time and have no doubts about it. What confuses me is why this company is reporting late payments for specific months, which is erroneous. XXXX XXXX states that any billing errors should be corrected swiftly.

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 2024-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: VA

Complaint narrative:
I am diligent about paying on time and have no doubts about it. What confuses me is why this company is reporting late payments for specific months, which is erroneous. USC 1666b states that any billing errors should be corrected swiftly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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:
According to FCRA 605B, you are required to delete any erroneous accounts from my credit report. This account has been incorrectly reported on my credit file, so it needs to be removed. I should receive {$1000.00} for each mistake on my credit file.

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 2024-05-24 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: VA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 2024-05-24 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other that records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.

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 2024-05-24 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: PA

Complaint narrative:
On my most recent report it is reflecting account XXXX account number XXXX as a charge off which has tremendously spike up my depth owning more that is caused by the inaccurate interest rate being charged and potential late fees. Because XXXX is recording I am 30 days late on XXXX, but XXXX is showing 90 days late This has been hurting my credit score for a while now and has lead to derogatory remarks. 

Also XXXX is saying I am charged off for 120 days for three consecutive months. the Fair Credit Reporting Act ( FCRA ). Getting the late payment removed depends on its accuracy. The FCRA is a federal statute that allows you the opportunity to dispute false information on your credit report, thus I am demanding that this information be removed from my account immediately

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 2024-05-24 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: PA

Complaint narrative:
On my most recent report it is reflecting account XXXX account number XXXX as a charge off which has tremendously spike up my depth owning more that is caused by the inaccurate interest rate being charged and potential late fees. Because XXXX is recording I am 30 days late on XXXX, but Equifax is showing 90 days late This has been hurting my credit score for a while now and has lead to derogatory remarks. 

Also Equifax is saying I am charged off for 120 days for three consecutive months. the Fair Credit Reporting Act ( FCRA ). Getting the late payment removed depends on its accuracy. The FCRA is a federal statute that allows you the opportunity to dispute false information on your credit report, thus I am demanding that this information be removed from my account immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: PA

Complaint narrative:
XXXX XXXX Account number XXXX I sent proof over 5 times in the past year showing I was a victim of identity theft still the accounts remain I asked the company to send me over verification and prove that I am on these accounts and I signed documents or contracts with these companies on XX/XX/2024. They did not do a proper investigation. They did not respond to my letter. 

I am a victim of identity theft I reported these accounts listed above many times its still on my Credit file Based on, XXXX code XXXX a consumer reporting agency shall block the reporting of any Information in file of a Consumer that the Consumer identifies as information that results from an alleged Identity theft. not later than XXXX business days after the date of receipt. it has been 30 days and you are in XXXX of the law because I am a victim of Identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my Consumer report as they are in VIOLATION under XXXX XXXX XXXX XXXX permissible purpose of Consumer report ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency XXXX furnish a Consumer report under the following circumstances and no other. ( XXXX ) in accordance with WRITTEN INSTRUCTION of the XXXX to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my Consumer report which violates my rights as a federal protected Consumer. NO CONSENT IS IDENTITY THEFT. As a Consumer I am demanding the deletion of the accounts listed IMMEDIATELY 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 2024-05-24 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: WI

Complaint narrative:
After reviewing my credit report, I noticed that it has multiple accounts listed that I've never been associated with. I've never applied for such accounts, nor have I given anyone my information. I've been a victim of identity theft and i would like these accounts removed immediately. 

XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$1100.00} Acct # : XXXX XXXX  XXXX XXXX XXXX- Opened XX/XX/XXXX with a balance of {$29000.00} Acct # : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$1400.00} Acct # : XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX with a balance of {$1000.00} Acct # : XXXX XXXX XXXX Opened on XX/XX/XXXX with a balance of {$200.00} Acct # : 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