vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have sent a letter to equifax, XXXX, and experian in reference to incorrect information being reported on my report. I have not gotten a response from equifax or transunion. Equifax responded back and refused to reinvestigate the incorrect information in my report. I have sent method of verification letters to them as well as factual dispute letters. Furthermore they have failed to respond in the appropriate allocated to them under the FCRA. There was charge off on my XXXX XXXX XXXX XXXX account. The date of first delinquency was XX/XX/XXXX. The account has not only been reaged due to them reporting a CO on several occasions after it first occurred which is illegal but been completed altered so that the CO isnt reflective. XX/XX/XXXX makes 7 years from the date of first delinquency therefore this account should not be reporting at all. It is the bureaus responsibility to report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-06 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-06 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: NY

Complaint narrative:
On XX/XX/XXXX I got a notification from XXXX XXXX stating that I have a new inquiry on my report from XXXX XXXX XXXX and I called them to see why they running my report and they said someone tried to get a XXXXXXXX XXXX XXXX my name and I explained to them that it wasnt me because I already have two XXXX XXXX cards. On XX/XX/XXXX I was notified again that I had a new inquiry from XXXX so I called them and they told me that they didnt see a application for a credit card but I also explained to them that the inquiry was on my report and once again I didnt apply for any new cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: CO

Complaint narrative:
I requested Account validation from XXXX XXXX XXXX in XX/XX/XXXX. I received no response from the company. In XX/XX/XXXX I sent a letter to all three credit bureaus to validate the debt, which I also received no response. This debt is not been able to be validated, which all three bureaus put in the comments on my credit report that the account has been disputed which there has obviously been no investigation, Also this is reporting inaccurately as an open account. Ive enclosed supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
this was not sent in error i am a consumer by law and my informaton was misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.

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 2022-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Americas Car-Mart, Inc.
State: MS

Complaint narrative:
They want listen nothing u say one lady who have my friend account she is rude to him I have her fuss at him at and that not rite that bad customer service he tell he be trying and she be saying that not my problem she gave smart mouth his account so now they kept reporting to credit people when he told them come in get it cause he lost his job. Its just to much gone on down there. They tell u anything need new people in there

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Optio Solutions, LLC
State: FL

Complaint narrative:
I was imitated as a bumbling monkey, and mocked for being honest and trying to solve the problem. The lack of professionalism and respect for what my ancestors sacrificed in order for me to be free shouldn't be minimized or disrespected

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: CA

Complaint narrative:
XXXX is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 5 complaints informing XXXX that I was a victim of identity theft. XXXX is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. XXXX has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : ( Original Creditor : ) 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 2022-04-06 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: NY

Complaint narrative:
On XX/XX/XXXX I got a notification from XXXX XXXX stating that I have a new inquiry on my report from XXXX XXXXXXXX bank and I called them to see why they running my report and they said someone tried to get a XXXX card in my name and I explained to them that it wasnt me because I already have two XXXX XXXXXXXX cards. On XX/XX/XXXX I was notified again that I had a new inquiry from XXXX so I called them and they told me that they didnt see a application for a credit card but I also explained to them that the inquiry was on my report and once again I didnt apply for any new cards.

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 2022-04-06 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: NY

Complaint narrative:
On XX/XX/XXXX I got a notification from XXXX XXXX stating that I have a new inquiry on my report from XXXX XXXX XXXX and I called them to see why they running my report and they said someone tried to get a XXXX card in my name and I explained to them that it wasnt me because I already have two XXXX XXXXXXXX cards. On XX/XX/XXXX I was notified again that I had a new inquiry from XXXX so I called them and they told me that they didnt see a application for a credit card but I also explained to them that the inquiry was on my report and once again I didnt apply for any new cards.

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 2022-04-06 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: CA

Complaint narrative:
Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 5 complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : 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 2022-04-06 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:
I have no knowledge of these accounts XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Utility Past due amount {$2300.00} XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Cell Phone Past due amount {$1400.00}

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 2022-04-06 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:
I have no knowledge of these accounts XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Utility Past due amount {$2300.00} XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Cell Phone Past due amount {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: CO

Complaint narrative:
I requested Account validation from XXXX XXXX XXXX in XX/XX/XXXX. I received no response from the company. In XX/XX/XXXX I sent a letter to all three credit bureaus to validate the debt, which I also received no response. This debt is not been able to be validated, which all three bureaus put in the comments on my credit report that the account has been disputed which there has obviously been no investigation, Also this is reporting inaccurately as an open account. Ive enclosed supporting documents.

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 2022-04-06 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: CO

Complaint narrative:
I requested Account validation from XXXX XXXX XXXX in XX/XX/XXXX. I received no response from the company. In XX/XX/XXXX I sent a letter to all three credit bureaus to validate the debt, which I also received no response. This debt is not been able to be validated, which all three bureaus put in the comments on my credit report that the account has been disputed which there has obviously been no investigation, Also this is reporting inaccurately as an open account. Ive enclosed supporting documents.

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 2022-04-06 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: VA

Complaint narrative:
I have no knowledge of these accounts XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Utility Past due amount {$2300.00} XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Cell Phone Past due amount {$1400.00}

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 2022-04-06 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
XXXX XXXX was charged off on XX/XX/XXXX but still reports monthly late payments Nordstrom was charged off XX/XX/XXXX but still reports monthly late payments According to section 166 of the Internal Revenue Code, federal regulations require creditors to charge off installment loans after 120 days of delinquency, while revolving credit accounts must be charged-off after 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with BEST BUY/CBNA. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.

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 2022-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Grain Technology, Inc.
State: MS

Complaint narrative:
Data from XXXX and XXXX Account Grain Technology Inc ( Grain Techno ) I dont recognize this account at all. This account is fraud. I have disputed this account 2 times through XXXX and XXXX. Both of companies said information is accurate but it is incorrect. I lost my wallet. I check my credit reports to see if there is any incorrect information recently. Then I dispute the incorrect information on the credit reports. I called XXXX and XXXX I spoke to the reps to file another dispute for a fraudulent account on my credit reports again. Please help me to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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 my 6th attempt to get this matter resolved but then again my request is still being ignored. I have a loan with the accounts below and I always made my payments on time. For some reason, I realized that there were 30 days past due from XXXX, XXXX and 60 days past due on XX/XX/20. I have read enough to understand my rights. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA.and is wilfully non-complying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payments from these accounts. Below are the accounts with erroneous information that I'd like to remedy ASAP. 

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 2022-04-06 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 my 6th attempt to get this matter resolved but then again my request is still being ignored. I have a loan with the accounts below and I always made my payments on time. For some reason, I realized that there were 30 days past due from XXXX, XXXX and 60 days past due on XX/XX/20. I have read enough to understand my rights. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA.and is wilfully non-complying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payments from these accounts. Below are the accounts with erroneous information that I'd like to remedy ASAP. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation