vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-29 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 looked on my credit report and noticed that Equifax is in violation of 15 USC 1681b ( a ) ( 2 ) Which states In Accordance with written instructions of the consumer to whom it relates. I the consumer has never given a written statement that allows Equifax to repost anything on my consumer report. Without my consent Equifax has committed Identity Thief. There are four different accounts that need to be removed. I have given them 4 different exhibits that show accounts that are unauthorized. I also added written letters, an affidavit of truth, a letter of the exhibits violated by Equifax, a signed letter from a Notary Public, and a invoice for the 4 federal violated rights. Each violation made my Equifax are for {$1000.00} dollars per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
iN XXXX OF 2021, I paid this loan off in full of XXXX dollars they never sent title to car, and they have reported me as 30 days late which is inaccurate. I have reached out several times over a year asking them to remove the late payment and send my title. Each rep who answers call never gets me a call back to discuss this matter, I was a faithful payer and paid car off under 6 months. I have asked XXXX to please remove that 1 late payment reflecting on my records. They refuse to send an update to the credit reporting companies about the in accurate late payment in XXXX of 2021. How can i be late when car was paid off in full.

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 2022-06-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
iN XXXX OF 2021, I paid this loan off in full of XXXX dollars they never sent title to car, and they have reported me as 30 days late which is inaccurate. I have reached out several times over a year asking them to remove the late payment and send my title. Each rep who answers call never gets me a call back to discuss this matter, I was a faithful payer and paid car off under 6 months. I have asked XXXX to please remove that 1 late payment reflecting on my records. They refuse to send an update to the credit reporting companies about the in accurate late payment in XXXX of 2021. How can i be late when car was paid off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
iN XXXX OF 2021, I paid this loan off in full of XXXX dollars they never sent title to car, and they have reported me as 30 days late which is inaccurate. I have reached out several times over a year asking them to remove the late payment and send my title. Each rep who answers call never gets me a call back to discuss this matter, I was a faithful payer and paid car off under 6 months. I have asked XXXX to please remove that 1 late payment reflecting on my records. They refuse to send an update to the credit reporting companies about the in accurate late payment in XXXX of 2021. How can i be late when car was paid off in full.

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 2022-06-29 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: TN

Complaint narrative:
In the beginning of the year I placed my card on freeze because I had a company taking unauthorized charge out the account, I always paid my accounts on time, In XXXX of 2022 they closed the account for non use, and reported XXXX and XXXX as late payments. My account was closed and deposit was returned. I have asked numerous times for them to review my account and waive the late payments, I paid my entire bill in full and request for them to update the credit bureaus and remove late payments off my records. They refuse and never investigated the account at all. Managers would hang up calls while I was talking and I would never got calls returned,.

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 2022-06-29 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: TN

Complaint narrative:
In the beginning of the year I placed my card on freeze because I had a company taking unauthorized charge out the account, I always paid my accounts on time, In XXXX of 2022 they closed the account for non use, and reported XXXX and XXXX as late payments. My account was closed and deposit was returned. I have asked numerous times for them to review my account and waive the late payments, I paid my entire bill in full and request for them to update the credit bureaus and remove late payments off my records. They refuse and never investigated the account at all. Managers would hang up calls while I was talking and I would never got calls returned,.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: TN

Complaint narrative:
In the beginning of the year I placed my card on freeze because I had a company taking unauthorized charge out the account, I always paid my accounts on time, In XXXX of 2022 they closed the account for non use, and reported XXXX and XXXX as late payments. My account was closed and deposit was returned. I have asked numerous times for them to review my account and waive the late payments, I paid my entire bill in full and request for them to update the credit bureaus and remove late payments off my records. They refuse and never investigated the account at all. Managers would hang up calls while I was talking and I would never got calls returned,.

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 2022-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
On XX/XX/22 I received an alert on my credit monitoring that there was a collection added to my account. I called the next day XX/XX/22 XXXX to inquire what this was about. I was told this was a medical debt that I still owed for which was {$83.00}. I told the person I spoke with that they could not report this to the bureaus without trying to collect from me first. I was told they did not have to let me know anything. I asked if I paid the {$83.00} would they delete from the bureaus and was told yes they would delete from the bureaus within 2 weeks and I would receive an email showing I paid and was going to be deleted. I still have not received anything from them. To add insult to injury they have also reported it as a paid collection to another bureau AFTER I paid. I informed them that this was illegal as I have NEVER gotten any notice about this collection. I also reminded them that as of XXXX XXXX the bureaus were going to delete all paid medical collections. So not only did they violate the law but also lied to me. It says on CFPB web site specifically the following : DEBT COLLECTORS ARE NOT PERMITTED TO REPORT A MEDICAL BILL TO THE CREDIT REPORTING COMPANIES WITHOUT TRYING TO COLLECT THE DEBT FROM YOU FIRST.

Please help me on this CFPB. I would like to see them answer to someone of authority for illegal activity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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 looked on my credit report and noticed that Transunion is in violation of 15 USC 1681b ( a ) ( 2 ) Which states In Accordance with written instructions of the consumer to whom it relates. I the consumer has never given a written statement that allows Transunion to repost anything on my consumer report. Without my consent Transunion has committed Identity Thief. There are four different accounts that need to be removed. I have given them 4 different exhibits that show accounts that are unauthorized. I also added written letters, an affidavit of truth, a letter of the exhibits violated by Transunion, a signed letter from a Notary Public, and a invoice for the 4 federal violated rights. Each violation made my Transunion are for {$1000.00} dollars per violation

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 2022-06-29 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: WA

Complaint narrative:
This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, and ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter

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 2022-06-29 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:
I requested the removal of Inaccurate address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, accounts : XXXX XXXX XXXX Balance- ; XXXX XXXX Balance- ; XXXX XXXX Balance - ; XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$130.00} that are UNKNOWN to me. I included these in letters that I sent to XXXX Bureaus on XXXX XXXX, 2022. I learned about this rule today, and it states that Credit Bureaus must ban any items in accordance with FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) no later than four business days following the XXXX XXXX, 2022 letter.

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 2022-06-29 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:
I requested the removal of Inaccurate address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, accounts : XXXX XXXX XXXX Balance- ; XXXX XXXX Balance- ; XXXX XXXX Balance - ; XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$130.00} that are UNKNOWN to me. I included these in letters that I sent to XXXX Bureaus on XXXX XXXX, 2022. I learned about this rule today, and it states that Credit Bureaus must ban any items in accordance with FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) no later than four business days following the XXXXXXXX XXXX, 2022 letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: NC

Complaint narrative:
I looked on my credit report and noticed that Experian is in violation of 15 USC 1681b ( a ) ( 2 ) Which states In Accordance with written instructions of the consumer to whom it relates. I the consumer has never given a written statement that allows XXXX XXXX to repost anything on my consumer report. Without my consent XXXX XXXX has committed Identity Thief. There are fiv different accounts that need to be removed. I have given them 5 different exhibits that show accounts that are unauthorized. I also added written letters, an affidavit of truth, a letter of the exhibits violated by XXXX XXXX, a signed letter from a Notary Public, and a invoice for the 5 federal violated rights. Each violation made my XXXX XXXX are for {$1000.00} dollars per violation.

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 2022-06-29 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 submitted a letter to the XXXX Credit Bureaus on XX/XX/2022 to update this suspicious account. I think they have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX XXXX, XXXX, XXXX and I'm including it again. Please check payment history, date open, last activity and Status of XXXX XXXX  XXXX i believe it was reporting in error.

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 2022-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
i think this happened due to the XXXX Data breech inquries XXXX XXXX XXXX XXXX XXXX  XXXX all on XX/XX/2022 all unautherized please help

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 2022-06-29 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 submitted a letter to the XXXX Credit Bureaus on XX/XX/2022 to update this suspicious account. I think they have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # s XXXX, XXXX, XXXX and I'm including it again. Please check payment history, date open, last activity and Status of XXXX XXXX  XXXX i believe it was reporting in error.

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 2022-06-29 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 submitted a letter to the XXXX Credit Bureaus on XX/XX/2022 to update this suspicious account. I think they have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # s XXXX, XXXX, XXXX and I'm including it again. Please check payment history, date open, last activity and Status of XXXX XXXX  XXXX i believe it was reporting in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: FL

Complaint narrative:
It appears that my credit file has been endangered.I was looking over my records once more and I discovered a lot of items that not belong to me. I'm really particular about research, thus, I found that under section 605b of the FCRACredit Bureaus are required by law to remove any items which is found to be opened due to identity theft.. Im attaching the required FTC Report with FTC report # XXXX XXXX & XXXX and other documents that proof of my identity and current address. Please block these following items : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX US DEPARTMENT OF EDU ( Original creditor XXXX XXXX XXXX XXXX Balance {$3200.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$2300.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$3700.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$3700.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$2200.00} ; US DEPARTMENT OF EDU ( Original creditor XXXX XXXX ) XXXX Balance {$1400.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$2300.00} ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires credit Bureaus to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If theres no records provided & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled 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 2022-06-29 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
USAA is discriminating against me as a XXXX XXXX XXXX  and not reporting my Account as Settled within the " Payment Status '' Section of each Credit Report and, thereby, causing a negative impact to my credit reports which are not reflecting the payment had been made on XXXX. Account was Settled and should reflect this status within the " Payment Status '' area to properly update the Algorithm data to properly increase my scores vs. only placing the payment status in the 'comments section ''. Updating the " Payment Status '' section of the Credit report should reflect " Account Settled '' When I spoke to USAA they claimed they would place an updated document on my Portal this week, however, it never happened. 

I also reached out to XXXX XXXX XXXX, XXXX on last week XXXX XX/XX/XXXX, who took my payment on behalf of USAA for {$690.00}, stated that they notified USAA in XXXX that the Settlement was Paid and they were responsible for updating my Credit Reports, however, USAA has not updated my Credit Report to reflect the USAA Account ending XXXX was " Settled ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX account # 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 a account without my written instructions.

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