vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I disputed all inaccurate info and violations done by XXXX. They did not properly investigate the CRAs did not properly investigate. My privacy and fcra rights were violated. This account is reporting late payments no proof. This account is reporting 4 times with 2 account numbers each bureau is reporting different information to the same account a FCRa violation. This account is attached to an address not mine another violation. XXXX is asking me to update information because they dont have any on file which is suspicious why would you furnish this account is mine but asking me to update my information. They were sent a cease and desist and have not followed through. The CRAs did not verify accounts over a year ago. I never received any opt out letters or form of communication through dept of ed and they are furnishing inaccurate personal information to a third party which are CRAs without my consent. They violated the truth lending act

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 2023-11-23 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: MA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 
XXXX XXXXXXXX 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 2023-11-23 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: MO

Complaint narrative:
I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts to rectify inaccuracies in my credit file. Despite repeated efforts, the incorrect address and unauthorized inquiries persist, negatively impacting my credit report. 

I initially submitted a dispute, and since then, I have tirelessly attempted to correct the inaccuracies through your established dispute resolution processes. Regrettably, these efforts have been met with little success, as the issues remain unresolved. 

My credit report continues to display an inaccurate address that is not associated with my current or previous residences. This misinformation poses a threat to the integrity of my credit profile and may lead to further complications, including potential identity-related issues. 

There are multiple unauthorized inquiries on my credit report that I have not initiated. These inquiries are not only inaccurate but also raise concerns about the security and privacy of my personal information. 

I have submitted the required documentation, followed the appropriate procedures, and communicated with your representatives on numerous occasions, providing all necessary details to rectify these errors. However, despite my persistent efforts, the issues persist. 

I request an immediate and thorough investigation into these matters. I insist on the prompt removal of the inaccurate address and unauthorized inquiries from my credit report. Additionally, I expect a detailed written explanation for the continued presence of these errors and the measures being taken to prevent their recurrence. 

These inaccuracies are not only affecting my creditworthiness but also causing undue stress and inconvenience. I trust that Credit Bureaus takes these concerns seriously and is committed to providing accurate and reliable credit information to consumers. I am asking for your assistane to remove the fraud items in my credit file : 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 explanation
Consumer complaint received 2023-11-23 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: MO

Complaint narrative:
I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts to rectify inaccuracies in my credit file. Despite repeated efforts, the incorrect address and unauthorized inquiries persist, negatively impacting my credit report. 

I initially submitted a dispute, and since then, I have tirelessly attempted to correct the inaccuracies through your established dispute resolution processes. Regrettably, these efforts have been met with little success, as the issues remain unresolved. 

My credit report continues to display an inaccurate address that is not associated with my current or previous residences. This misinformation poses a threat to the integrity of my credit profile and may lead to further complications, including potential identity-related issues.

There are multiple unauthorized inquiries on my credit report that I have not initiated. These inquiries are not only inaccurate but also raise concerns about the security and privacy of my personal information. 

I have submitted the required documentation, followed the appropriate procedures, and communicated with your representatives on numerous occasions, providing all necessary details to rectify these errors. However, despite my persistent efforts, the issues persist. 

I request an immediate and thorough investigation into these matters. I insist on the prompt removal of the inaccurate address and unauthorized inquiries from my credit report. Additionally, I expect a detailed written explanation for the continued presence of these errors and the measures being taken to prevent their recurrence. 

These inaccuracies are not only affecting my creditworthiness but also causing undue stress and inconvenience. I trust that Credit Bureaus takes these concerns seriously and is committed to providing accurate and reliable credit information to consumers. I am asking for your assistane to remove the fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX  XXXX, MO, XXXXXXXX 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 2023-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have XXXX or more days trying to fix this problem, and I already wasted my time and money trying to solve this issue with a professional help, so I am about to processed with a demand for the money I still have in holding because the bank doesnt solve my problems and they still ; after a week waiting you still want me to give more information. 
I am a government agent so i am not talking about {$100000.00} or {>= $1,000,000}! 

After all this week waiting, for nothing, I reuse to waste my energy talking with you guys, because my movements are about trillions!! A number XXXX for XXXX you do not know! So you have XXXX options XXXX is, deposit XXXX XXXX in my bank account with out problems, just only to help me paying the interest you make me grow up justifying your mistakes! Or XXXX XXXX sorry but I am proceeding with a demand that is going to cost more than XXXXXXXX XXXX, and for XXXX that I have a federal responsibility! 

Attempting : 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 2023-11-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my personal credit report, I have discovered several inconsistencies that could significantly affect my financial standing, particularly my chances of owning a home. While I understand that errors can occur, it is crucial to address these inaccuracies promptly. I have researched the dispute process and noted that an investigation must be completed within thirty days. I am perplexed as to how this account was verified by your bureau, whereas XXXX and XXXX have successfully removed it from their records, citing an identification error. Therefore, I kindly request the immediate deletion of this account from my credit report as it is inaccurate, erroneous, incomplete, or unverifiable. I would like to draw your attention to the following error : XXXX XXXX DATE OPENED XX/XX/2006 BALANCE {$46000.00}. Also, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.

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 2023-11-23 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: TX

Complaint narrative:
I am sending this to formally submit a follow up complaint regarding an unfortunate incident of identity theft that I have recently experienced, I previously submit a complaint dated XX/XX/XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, I kindly request your assistance in rectifying the discrepancies in my credit report. The specific identity theft incident is documented under Report # XXXX. Enclosed with this communication, you will find the necessary documentation to support the removal of inaccuracies associated with the following items from my credit report : EXPERIAN : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXXXXXX Balance : {$400.00} XXXX : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX : {$920.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$400.00}

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 2023-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm writing to express how DISSATISFIED I am with your recent claims about my accounts. Due to the lack of substantial factual evidence to support your allegations, I hereby contest these claims. Thus, without further ado, I implore you to IMMEDIATELY COMMENCE A COMPREHENSIVE INVESTIGATION INTO THESE MATTERS. 
My financial situation has been severely tarnished by these allegations, which also have the potential to seriously damage my creditworthiness. To avoid such negative effects, it is imperative that we precisely and quickly handle this matter. 
I require you to dispute these reports as soon as possible and provide me with verifiable proof to support your claims. If I don't, I'll be forced to take legal action to protect my rights and make this right. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My expectations are that you will treat my concerns with the seriousness they deserve and that your bureau will follow the rules of justice and truth in handling this case. I am awaiting a timely response and a resolute commitment to thoroughly investigating this disagreement.

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 2023-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have previously submitted multiple requests to your company for the reinvestigation of several inquiries that I believe to be inaccurately reported on my credit file. According to regulations, are you not obliged to complete these investigations within 30 days of receipt? I am aware of instances where companies have accessed individuals ' credit without a permissible purpose, and to date, I have not received verification of these purposes from your company. I am reiterating the inquiries that require thorough investigation : XXXX XX/XX/2022 and XXXX XX/XX/2022. I urge you to adhere to the Fair Credit Reporting Act and conduct a comprehensive investigation into the specified inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute the presence of inaccurate information on my credit report, specifically regarding late payments that are erroneously attributed to my account. Despite previous escalations and attempts to rectify this matter, the inaccurate information persists, and I am requesting your immediate attention to correct this error. 
Upon careful review of my credit report, I have identified discrepancies related to late payments on my account. I wish to emphasize that there has been no instance of missed payments on the account in question. I have consistently met all my financial obligations in a timely manner, and it is disconcerting to see information on my credit report that does not accurately reflect my credit history. 
I have previously brought this matter to your attention, and despite my efforts, the inaccurate information persists. I have attached copies of the previous dispute letters and correspondence related to this matter for your reference. 
I kindly request that you conduct a thorough investigation into the inaccuracies on my credit report and take immediate action to rectify the following issues : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you are doing well as I write this. I'm writing to let you know about something that's on my credit report. I recently discovered late payments on my account after looking through my credit report. I think there might be a mistake in the reporting, and I'm asking for your help to fix it. 
I understand the importance of maintaining an accurate credit history, and I am committed to ensuring that my credit report reflects my financial behavior accurately. However, I am concerned that these late payments are negatively impacting my credit score and my ability to access favorable financial opportunities. 
XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the XXXX XXXX XXXX customer service representative. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or an XXXX XXXX customer service representative. 
I kindly request that you investigate this matter and, if possible, remove or rectify the late payments from my credit report. I have attached supporting documentation, such as payment receipts and bank statements, that demonstrate that the payments in question were made on time.

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 2023-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm writing to let you know how disappointed I am with your recent allegations against my accounts. I firmly reject your claims on the grounds that you have not provided any supporting documentation or evidence to back up your assertions. Therefore, I implore you to begin a thorough and prompt investigation into these issues. 
The recent allegations you have made have seriously damaged my creditworthiness and placed a pall over my financial situation. To avoid any more consequences, it is critical that we respond to this matter as quickly and precisely as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am sending you a legal law enforcement agency report that was filed with a federal agency to support the gravity of my identity theft allegation. I think we can have this resolved in the five days that are needed. 
I anticipate receiving a written confirmation that this disagreement letter has been received, along with a pledge to conduct a thorough and unbiased investigation into these matters. It is in everyone 's best interests to resolve this issue as soon as possible.

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 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am showing to have a Bankruptcy on my Public Record and upon my follow up with the courts I was provided the attached letter that states that this should not be the case.

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 2023-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am showing to have a Bankruptcy on my Public Record and upon my follow up with the courts I was provided the attached letter that states that this should not be the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23 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 am sending this to formally submit a follow up complaint regarding an unfortunate incident of identity theft that I have recently experienced, I previously submit a complaint dated XX/XX/XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, I kindly request your assistance in rectifying the discrepancies in my credit report. The specific identity theft incident is documented under Report # XXXX. Enclosed with this communication, you will find the necessary documentation to support the removal of inaccuracies associated with the following items from my credit report : XXXX : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$920.00XXXX XXXX  XXXX Balance : {$400.00} TRANSUNION : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX : {$920.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00}

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 2023-11-23 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: TX

Complaint narrative:
I am sending this to formally submit a follow up complaint regarding an unfortunate incident of identity theft that I have recently experienced, I previously submit a complaint dated XX/XX/XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, I kindly request your assistance in rectifying the discrepancies in my credit report. The specific identity theft incident is documented under Report # XXXX. Enclosed with this communication, you will find the necessary documentation to support the removal of inaccuracies associated with the following items from my credit report : XXXX : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$400.00} XXXX : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX : {$920.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$400.00}

Company response to consumer: Closed with non-monetary relief