vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-02 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:
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. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : 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 2022-08-02 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: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : 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 2022-08-02 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: Professional Debt Mediation, Inc.
State: RI

Complaint narrative:
on XX/XX/2021, XXXX XXXXXXXX has added a derogatory mark on my credit report per XXXX XXXX Upon further research, this account was transferred /sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA XXXX XXXX has violated my right as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX I entered in a consolidation agreement with a XXXX XXXX XXXX to consolidate my student loans with XXXX XXXX XXXX XXXX. I contacted XXXX and was informed that my student loans would be in forberance while the loan was getting consolidated and paid by XXXX which would take around 2 months. The loans were consolidated and XXXX was paid in XX/XX/XXXX. However, XXXX has since then continuously reported 60 days late on my credit profile even though I should have had a temporary forberance period. I have written to XXXX to request a good faith removal as this was not reported accurately. XXXX refuse to XXXX my request. XXXX has reported 60 days late in XX/XX/XXXX to XXXX and Transunion credit reporting agency and has reported to XXXX 60 days late for XXXX and XX/XX/XXXX even though they were paid and the accounts closed in XX/XX/XXXX. Their report on my credit profile are inconsistent and incorrect as some loans state late XX/XX/XXXX and others state late XXXX and XX/XX/XXXX. They have reported the loans were paid XX/XX/XXXX, XX/XX/XXXX XXXX agency and XX/XX/XXXX to another agencies. These dates are not consistent. The reporting is inaccurate. XXXX was paid off in XX/XX/XXXX, so how can they report 60 day late for both XX/XX/XXXX and XX/XX/XXXX. Please I urge someone to look into this company 's and credit reporting agency unfair credit reporting practices.

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 2022-08-02 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX I entered in a consolidation agreement with a XXXX XXXX XXXX to consolidate my student loans with XXXX XXXX XXXX XXXX. I contacted XXXX and was informed that my student loans would be in forberance while the loan was getting consolidated and paid by XXXX which would take around 2 months. The loans were consolidated and XXXX was paid in XX/XX/XXXX. However, XXXX has since then continuously reported 60 days late on my credit profile even though I should have had a temporary forberance period. I have written to XXXX to request a good faith removal as this was not reported accurately. XXXX refuse to XXXX my request. XXXX has reported 60 days late in XX/XX/XXXX to XXXX and XXXX credit reporting agency and has reported to Equifax 60 days late for XXXX and XX/XX/XXXX even though they were paid and the accounts closed in XX/XX/XXXX. Their report on my credit profile are inconsistent and incorrect as some loans state late XX/XX/XXXX and others state late XXXX and XX/XX/XXXX. They have reported the loans were paid XX/XX/XXXX, XX/XX/XXXX XXXX agency and XX/XX/XXXX to another agencies. These dates are not consistent. The reporting is inaccurate. XXXX was paid off in XX/XX/XXXX, so how can they report 60 day late for both XX/XX/XXXX and XX/XX/XXXX. Please I urge someone to look into this company 's and credit reporting agency unfair credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I entered in a consolidation agreement with a XXXX XXXX XXXX to consolidate my student loans with XXXX XXXX XXXX XXXX. I contacted XXXX and was informed that my student loans would be in forberance while the loan was getting consolidated and paid by XXXX which would take around 2 months. The loans were consolidated and XXXX was paid in XX/XX/XXXX. However, XXXX has since then continuously reported 60 days late on my credit profile even though I should have had a temporary forberance period. I have written to XXXX to request a good faith removal as this was not reported accurately. XXXX refuse to grant my request. XXXX has reported 60 days late in XX/XX/XXXX to Experian and XXXX credit reporting agency and has reported to XXXX 60 days late for XXXX and XX/XX/XXXX even though they were paid and the accounts closed in XX/XX/XXXX. Their report on my credit profile are inconsistent and incorrect as some loans state late XX/XX/XXXX and others state late XXXX and XX/XX/XXXX. They have reported the loans were paid XX/XX/XXXX, XX/XX/XXXX XXXX agency and XX/XX/XXXX to another agencies. These dates are not consistent. The reporting is inaccurate. XXXX was paid off in XX/XX/XXXX, so how can they report 60 day late for both XX/XX/XXXX and XX/XX/XXXX. Please I urge someone to look into this company 's and credit reporting agency unfair credit reporting practices.

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 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account # XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX has violated my rights. 

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 an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number

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 2022-08-02 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: NC

Complaint narrative:
I submitted a complaint last XX/XX/XXXX to remove these items, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again. XXXX XXXX XXXX XXXX  XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX  Date of Inquiry : XX/XX/XXXX ; XXXX  Date of Inquiry : XX/XX/XXXX ; XXXX Date of Inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02 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: NC

Complaint narrative:
I submitted a complaint last XX/XX/XXXX to remove these items, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again. XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5300.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX  Date of Inquiry : XX/XX/XXXX ; XXXX  Date of Inquiry : XX/XX/XXXX ; XXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: VA

Complaint narrative:
This is my XXXX attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX Balance : {$19000.00} US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02 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: VA

Complaint narrative:
This is my XXXX attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  Date of inquiry : XX/XX/XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX Balance : {$19000.00} US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: PA

Complaint narrative:
I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report inviolation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$810.00} XXXX  XXXX Balance : {$800.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX  XXXX Balance : {$640.00} XXXX  XXXXBalance : {$0.00} XXXX XXXX Balance : {$8700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: PA

Complaint narrative:
I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report inviolation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$810.00} XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXXBalance : {$2300.00} XXXX  XXXX  XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$550.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$800.00} XXXX Balance : {$0.00} XXXX XXXX Balance : {$8700.00}

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 2022-08-02 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: PA

Complaint narrative:
I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX  XXXX Balance : {$640.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2300.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$8700.00}

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 2022-08-02 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: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. 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 XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance XXXX {$4300.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : $ XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX  XXXX XXXX Balance : {$380.00} XXXX XXXX Balance XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: PA

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 from my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$1400.00} XXXX XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$1300.00}

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