vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 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: CA

Complaint narrative:
The following XXXX, XXXX, TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below are inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

( XXXX XXXX XXXXXXXX XXXX , XXXX XXXX XXXXXXXX )

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 2022-02-04 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:
The following Equifax, XXXX, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. Due to their errors in reporting Im reporting these violations. The first being with the XXXXDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below are inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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:
On XX/XX/2021 and again on XX/XX/2021 I have requested from XXXX, Transunion and XXXX to provide the Method of Verification for alleged debt since the Credit Furnisher has failed to validate the debt as well. 

XXXX Acct # XXXX XXXX XXXX Account Number : XXXX I am requesting that this information be deleted from my credit profile to non compliance.

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 2022-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

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 2022-02-04 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: GA

Complaint narrative:
On XX/XX/2021 and again on XX/XX/2021 I have requested from Equifax, XXXX and XXXX to provide the Method of Verification for alleged debt since the Credit Furnisher has failed to validate the debt as well. 

XXXX Acct # XXXX XXXX XXXX Account Number : XXXX I am requesting that this information be deleted from my credit profile to non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: GA

Complaint narrative:
On XX/XX/2021 and again on XX/XX/2021 I have requested from XXXX, XXXX and Experian to provide the Method of Verification for alleged debt since the Credit Furnisher has failed to validate the debt as well. 

XXXX Acct # XXXX XXXX XXXX Account Number : XXXX I am requesting that this information be deleted from my credit profile to non compliance.

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 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
I've sent Grain Technology multiple correspondence to which they've failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: NY

Complaint narrative:
The following ( XXXX, TransUnion ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit reporting agency A has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


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 2022-02-04 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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by EQUIFAX.I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9300.00} /XX/XX/XXXXXXXX Date opened XX/XX/XXXX Balance {$16000.00} / XX/XX/XXXX XXXX Date opened XX/XX/XXXX Balance {$22000.00} / XXXXXX/XX/XXXXXXXX Date opened XX/XX/XXXX Balance / XX/XX/XXXXXXXX Date opened XX/XX/XXXX Balance / XX/XX/XXXXXXXX Date opened XX/XX/XXXX / Bankruptcy : XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: LA

Complaint narrative:
I have had many corrections on my credit report and still seem to be very negative the XXXX late payments reporting on my credit was when I tested positive with XXXX was in the hospital and couldnt work i called the XXXX companies with the late payment they told me the credit B have to remove it they are so unprofessional and rude everything is on a computer for all XXXX of the credit B. I have wanted to get me a house for years and the realtor told me I have to many negative things on my report it has took control of your life and I just want it back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Four Directions Lending LLC
State: NV

Complaint narrative:
I didn't get any information about garnishments before sending a letter to my prior employer for garnishment. I thought that the court handles garnishment and there is a third party XXXX XXXX  in AZ that inform the prior employer company to garnish the wages. I've tried to call them to make a payment plan but decline to talk to me they rather deal with employer that I don't work for

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

JPMCB CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
i purchased this XXXX  XXXX XXXX  from XXXX in XXXX colorado, ally bank baught the loan. XXXX i paid XXXX down made XXXX extra in payment. a few months later a interest payment came thru it was the same as my bill. XXXX, i payed it the payment went thru and instead of a payment it was a minus and doubled the payment to XXXX so i tryed to a pay that off and then it went to XXXX several phone calls later the wanted to repo the car. so i called the president and told he let me refinance. and she did so it started as a interest payment. now the car was refinanced to XXXX XXXX. and i got a message said the payment was made. i made XXXX phone calls to ally bank there still trying to repo my car XXXX payment was made thats all the information i can find. there telling me that there going to repo the car. im in a wierd situation. the account number is the serial number on the car. im changing my name to XXXX so i used that name on the paper work. and theyve either made a mistake or there trying to sell it twice i dont know, i make over XXXX a year its not the money but to think that they can do this. im thinking some one is just trying to get my information. if you can make sure that they refinance the car to only me ill. be happy about this i wish i never used ally bank

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 2022-02-04 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:
I had my credit report pulled today. I realized its still fraudulent accounts on my report. Ive sent in multiple dispute letters and ftc reports. It seems I must make a report to XXXX Attorney General office and FCRA or someone. Maybe I may need to reach out to the news. Please see attached Notarized FTC report and Identification. 

Following Accounts XXXX XXXX {$1600.00} XXXX XXXX  XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Department stores {$310.00} XXXX XXXX {$1000.00}

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 2022-02-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

XXXX XXXX XXXXXXXX

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 2022-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
This XXXX XXXX account is reporting derogatory information as reported in my Credit Bureaus . The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


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 2022-02-04 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
While searching for mortgages to buy a house, it was discovered that my Fico Score-2 was less than adequate. It seems that XXXX XXXX has stopped reporting that I pay my student loans to the credit reporting companies. The last report was made on XX/XX/2018. I have continued to pay, but the non-reporting by XXXX XXXX shows delinquent payments on my credit report. I have disputed these claims against me multiple times via Experian. Over three years of paying XXXX XXXX for my student loans and they have not reported the payments, tanking my credit. XXXX XXXX has sold their student to XXXX, whom I have not heard from to service the payment of my student loans.

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 2022-02-04 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2022-02-04 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit BureauXXXX date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2022-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Hello I was issued on a notification on Cash App saying that I would be receiving my {$1400.00} economic impact payment and I took note of notice to that and I waited to be able to access the money that is said was they are believe it was XX/XX/XXXX of last year and I never was able to have access to it so Ive been following him complaint with customer service with Cash App and no ones really helping me that Im telling me when where and how I can get my money back and/or how I can get access to my money it just keeps asking me if I was able to be helped or if I can be helped anymore with anything else and I just dont believe that that song fair or legal so Im thats what Im trying to do is basically father complain like whoever whatever admitted whatever entity I guess Ill know that I never had access to my to my third payment and I and I havent really been working last year and I really need access to my money so I dont know exactly where to go or who to report to see what Ive been trying to do so Im calling on the phone getting automated systems and I know that theres got to be some type of you know Im piece of paper or somebody I can give him the existing information to or whatever information I did have when I when I had a record of it and try and figure out what happened to my payment or if its a car payment tracker or let you know what to do about this unfortunate situation do but I really need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
XXXX XXXX # XXXX I don't have a contract with my signature attached and this is not my mine and asking to remove I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Based on Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a 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 explanation