vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. The following items should be corrected immediately : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$7500.00} ; XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: GA

Complaint narrative:
I have a fraudulent account listed on my credit report, called XXXX XXXX XXXX XXXX XXXX XXXX, which date was opened on XX/XX/2021. I have disputed this fraudulent account with TransUnion and they have not removed this account from my credit report and TransUnion and XXXX XXXX XXXX XXXX XXXX XXXX is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this fraudulent item immediately and if it is not removed, then I will be filing a lawsuit against TransUnion and XXXX XXXX XXXX XXXX XXXX XXXX for not removing this fraudulent item from my credit report. I have attached a police report and affidavit for further review.

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 2023-06-06 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: EQUIFAX, INC.
State: RI

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: VA

Complaint narrative:
This is XXXX XXXX and I am submitting this Complaint via the CFPB to formally request an investigation and correction of the listed accounts that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. I believe these accounts are reporting inaccurate information. I was never late on these accounts because I always make my payments on time. I keep my own payment records and the record the Credit Bureaus present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Please take a look at the following accounts that are reporting erroneous information on my Credit File XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX  XXXX XXXX Balance : {$580.00}. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish the Credit Bureausr investigation within 30 days ; please do so, otherwise the Credit Bureaus will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission.

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 2023-06-06 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: VA

Complaint narrative:
This is XXXX XXXX and I am submitting this Complaint via the CFPB to formally request an investigation and correction of the listed accounts that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. I believe these accounts are reporting inaccurate information. I was never late on these accounts because I always make my payments on time. I keep my own payment records and the record the Credit Bureaus present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Please take a look at the following accounts that are reporting erroneous information on my Credit File : XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXXXXXX XXXX Balance : {$580.00}. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish the Credit Bureausr investigation within 30 days ; please do so, otherwise the Credit Bureaus will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I have became a victim of identity there The accounts are XXXX XXXX  accounts it was opened on XX/XX/XXXX these are not my accounts And another one was opened on XX/XX/XXXX for the same company XXXX XXXX it was another account that was open Open ExEter finance It was open XX/XX/XXXX These are not my account they were opened up By someone using my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: GA

Complaint narrative:
I have a fraudulent account listed on my credit report, called XXXX XXXX XXXX XXXX XXXX XXXX which date was opened on XX/XX/2021. I have disputed this fraudulent account with TransUnion and they have not removed this account from my credit report and TransUnion and XXXX XXXX XXXX XXXX XXXX XXXX is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this fraudulent item immediately and if it is not removed, then I will be filing a lawsuit against TransUnion and XXXX XXXX XXXX XXXX XXXX XXXX for not removing this fraudulent item from my credit report. I have attached a police report and affidavit for further review.

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 2023-06-06 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: TX

Complaint narrative:
This is XXXX XXXX, I am submitting this CFPB complaint, once again, to correct the inaccurate accounts on my credit file. I demand immediate correction of these accounts from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. 
These inaccurate accounts are clearly inaccurate and are negatively impacting my creditworthiness and by submitting this Complaint, I demand that you correct the accounts off as soon as possible : XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file.XXXX XXXX XXXX Balance Owed XXXX XXXX XXXXXXXXThe limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

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 2023-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Churchill Holdings, Inc.
State: LA

Complaint narrative:
Churchill mortgage pushed me conventional loan, I was wanting VA or FHA. I was told I couldn't get a gov backed loan _ Within 15 days I was sold XXXX. XXXX XXXX, then XXXX XXXX. What do u know. This was a scam to get {$30000.00} cash out of me. 

This is an obvious move of ihands to take the Cash from me.

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 2023-06-06 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. The following items should be corrected immediately : XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXXXXXX  Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: TX

Complaint narrative:
I received notification from XXXX that the following item has been deleted from my credit report and bylaw under the Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and lenders must ensure that the information they report is accurate and truthful.

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 2023-06-06 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: TX

Complaint narrative:
I received a letter from XXXX that the following item has been deleted from my credit report and bylaw under the Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and lenders must ensure that the information they report is accurate and truthful.

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 2023-06-06 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: FL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out. Per FCRA segment 605 you are expected to delete any records recorded. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. The following items needs to be removed : XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-06-06 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: FL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out. Per FCRA segment 605 you are expected to delete any records recorded. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. The following items needs to be removed : XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: Affirm Holdings, Inc
State: MO

Complaint narrative:
XX/XX/2023 Subject : Request for Deletion of XXXX XXXX XXXX XXXX XXXX Reporting Guidelines Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as per the guidelines outlined in the XXXX XXXX XXXX Format. After carefully reviewing my credit report, I have identified inaccuracies and discrepancies that I believe require your immediate attention. 

The following items are being disputed : XXXX. Affirm Inc XXXX XXXX XXXX XXXX XXXX XXXX, credit reporting agencies are responsible for ensuring the accuracy and integrity of the information they report. It is my assertion that the mentioned derogatory information fails to comply with these reporting guidelines and has a detrimental impact on my creditworthiness. 

To facilitate a thorough investigation, I am providing detailed explanations for each disputed item, along with supporting documentation. It is imperative that you adhere to the XXXX XXXX XXXX XXXX in examining each disputed item. 

In accordance with the XXXX XXXX guidelines, I request the immediate removal of any verified inaccurate or unverifiable derogatory information from my credit report. Furthermore, I expect to receive written notification of the results of your investigation and an updated copy of my credit report reflecting the deletions made. 

I understand the importance of maintaining accurate and compliant credit reporting practices. Failure to address this matter in accordance with the XXXX XXXX guidelines may result in legal consequences, including potential legal action seeking remedies and damages under applicable laws. 

Thank you for your immediate attention to this matter. I trust that you will handle my dispute in accordance with the XXXX XXXX XXXX XXXX, ensuring fair and accurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: TX

Complaint narrative:
I received a letter from XXXX that the following item has been deleted from my credit report and bylaw under the Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and lenders must ensure that the information they report is accurate and truthful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase put a restriction on my checking account on XX/XX/XXXX. Would not tell me why they did it. After 30+ years they said that they are cutting ties with my. But after the account was put into restriction status, Chase accepted direct deposits to the account. I had to go to the back branch on XXXX XXXX XXXX numerus times to see what is going on. This is because the they would not tell me over the phone. I had to tell them that the funds that they accepted was after the account was restricted. And I want my money from them. The first time the staff was able to get the check released from the account by someone over the phone. The next day the did the same thing. So another trip to the bank. That time the staff was very rude and was not able to get the funds released by someone she called. She had to go to the manger. He released the funds from that check. But without saying Do not return to this branch any more. She said you can go to any branch if there is anymore problems. I checked my account sure enough there was another check posted. I called up and talked to someone on the XXXX of XX/XX/XXXX. That woman said that the account would be closed in XXXX business days and that I can go to the branch and get the fund there. But on XX/XX/XXXX I checked the account there was a ZERO balance and that the was a withdraw of the balance of the funds in the account. At that time I called the Number on the card and was transferred to someone that can help. That person said that was never the case that if I went to a branch they would issue me a casher 's check for the amount. She still never informed me why they closed that Chase is cutting ties with me. But the check was cut and it should be her by next week sometime. This is not right to find out that your account ties was terminated by calling up them after your card was declined why purchasing items at a store. That made me feel so low. I feel that Chase should called the number on file on XX/XX/XXXX to tell me. Not me finding out on XX/XX/XXXX at a store.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: PA

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I XXXX XXXX Credit report transunion credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

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 2023-06-06 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: TX

Complaint narrative:
I received notification from XXXX that the following item has been deleted from my credit report and bylaw under the Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and lenders must ensure that the information they report is accurate and truthful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: CA

Complaint narrative:
Received a hard inquiry from a company called XXXX on my TransUnion report from XX/XX/23. I have not applied for any cards or any kind of credit or background checks. I believe this is fraudulent. 
Both TransUnion and XXXX XXXX XXXX ( I'm not from or have ever been to Delaware ) have told me to call the other company to resolve the issue. Pointing fingers and the whole run around. 
Neither of them are doing anything to help me, and this is going to hurt my credit that I worked hard to finally get in good standing. Please look into them.

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