vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting 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:
I am writing to express my deep concern and frustration regarding the multiple, several, and numerous attempts I have made to remove fraudulent items from my credit report. Despite my persistent efforts, these unauthorized entries continue to negatively impact my creditworthiness and financial standing. 

I have taken the following steps to address this issue : Filed detailed dispute reports through your online dispute resolution system. 
Submitted supporting documentation, such as identity theft reports, police reports, and any other relevant evidence. 
Despite these comprehensive efforts, the fraudulent items remain on my credit report, causing potential harm to my financial reputation and jeopardizing my ability to access credit on fair terms. 

I am formally requesting an urgent and thorough investigation into the fraudulent items mentioned above, and I insist on the immediate removal of these inaccuracies from my credit report. As a victim of identity theft, it is imperative that my credit report accurately reflects my true financial history. 

Enclosed with this letter are copies of the supporting documents previously submitted, including identity theft reports, police reports, and any correspondence with relevant authorities. I trust that this information will aid in the prompt resolution of this matter. 

I expect a written response detailing the results of your investigation, the actions taken to correct the inaccuracies, and an updated version of my credit report reflecting the removal of the fraudulent items. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XX/XX/2023.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX begging you please remove this to the 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
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to express my frustration and disappointment regarding the numerous attempts and disputes I have made to remove a charge-off from my credit report. Despite multiple efforts to address this matter, the inaccurate entry persists, adversely affecting my creditworthiness and financial standing. 

I have diligently followed the dispute process by submitting multiple requests for correction through your online dispute resolution system. Additionally, I have provided supporting documentation, including proof of resolution or any agreements made with the creditor. 

Despite these persistent efforts, the charge-off remains on my credit report, causing potential harm to my XXXX XXXX and overall financial health. 

I am formally requesting a thorough investigation into the charge-off mentioned above and the immediate removal of this inaccurate entry from my credit report. It is crucial that my credit report accurately reflects my financial history. 

Enclosed with this letter are copies of the supporting documents previously submitted, including proof of resolution and any correspondence with the creditor. I trust that this information will assist in the swift resolution of this matter. 

I kindly request a written response detailing the results of your investigation, the actions taken to correct the inaccuracies, and an updated version of my credit report reflecting the accurate account information. I am asking for your assistance to remove charge of account in my credit file : XXXX XXXX XXXX XXXX Balance : {$7700.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting 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: NM

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 confide

ntiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonab
le cause to believe that the information is inaccurate.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a XXXX XXXX XXXXXXXX XXXX XXXX and back in XXXX of 2022 I bought a table set for XXXX XXXX It was still during the heart of the pandemic and we all were trying to slowly build our life back up to normal. I had 1 payment that I missed due to the covid crisis as I was struggling to save money and keep my job. I didn't sent in 1 minimum due payment and I got a late payment on my credit report. I only saw that few days ago when i pulled my credit report. I paid the {$400.00} after back in XXXX of 2022 when i was able to borrow some money but I didn't not know I had a bad mark on my report. Now I am having a hard time due to the late payment showing on my report getting a loan. I ask you please take that negative mark off as I did pay it fully and I don't have any other bad marks on my 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
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Birchwood Credit Services, Inc.
State: GA

Complaint narrative:
Birchwood has a inquire on my credit report which I never authorized an i want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting 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:
The accounts listed below are not mine and could not be mine because I was incarcerated on the dates they were open in prison. I have shared this with all XXXX bureaus and sent proof of everything and asked them under 15 U.S. Code 1681c2 that the items be taken off and they only removed one and never responded about the others. So I asked them under 15 U.S. Code 1681d to prove they are mine which I know they cant because they are not and was never responded to. 

The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Identity Theft Report reference number is XXXX and my police report number is 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 2024-01-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
This company states that they are arbitrator of Cash Central. They state that I opened this payday loan on a bank account in my name. I do not know an information about this. This law group is using abusive and taunting tactics to exploit. I have asked several time to put all of this in writing. Apparently with their arbitrator this is in active court but can not or will not provide further information. I donor have knowledge of this and I am asking for proof of their claim or STOP CALLING and Provoking me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting 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: CO

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 un

der 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason
able cause to believe that the information is inaccurate.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

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 und

er 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonabl
e cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting 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 am writing to express my deep concern and frustration regarding the multiple, several, and numerous attempts I have made to remove fraudulent items from my credit report. Despite my persistent efforts, these unauthorized entries continue to negatively impact my creditworthiness and financial standing. 

I have taken the following steps to address this issue : Filed detailed dispute reports through your online dispute resolution system. 
Submitted supporting documentation, such as identity theft reports, police reports, and any other relevant evidence. 
Despite these comprehensive efforts, the fraudulent items remain on my credit report, causing potential harm to my financial reputation and jeopardizing my ability to access credit on fair terms. 

I am formally requesting an urgent and thorough investigation into the fraudulent items mentioned above, and I insist on the immediate removal of these inaccuracies from my credit report. As a victim of identity theft, it is imperative that my credit report accurately reflects my true financial history. 

Enclosed with this letter are copies of the supporting documents previously submitted, including identity theft reports, police reports, and any correspondence with relevant authorities. I trust that this information will aid in the prompt resolution of this matter. 

I expect a written response detailing the results of your investigation, the actions taken to correct the inaccuracies, and an updated version of my credit report reflecting the removal of the fraudulent items. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XX/XX/2023.

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 2024-01-11 00:00:00
Product: Credit reporting 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:
I am writing to express my deep concern and frustration regarding the multiple, several, and numerous attempts I have made to remove fraudulent items from my credit report. Despite my persistent efforts, these unauthorized entries continue to negatively impact my creditworthiness and financial standing. 

I have taken the following steps to address this issue : Filed detailed dispute reports through your online dispute resolution system. 
Submitted supporting documentation, such as identity theft reports, police reports, and any other relevant evidence. 
Despite these comprehensive efforts, the fraudulent items remain on my credit report, causing potential harm to my financial reputation and jeopardizing my ability to access credit on fair terms. 

I am formally requesting an urgent and thorough investigation into the fraudulent items mentioned above, and I insist on the immediate removal of these inaccuracies from my credit report. As a victim of identity theft, it is imperative that my credit report accurately reflects my true financial history. 

Enclosed with this letter are copies of the supporting documents previously submitted, including identity theft reports, police reports, and any correspondence with relevant authorities. I trust that this information will aid in the prompt resolution of this matter. 

I expect a written response detailing the results of your investigation, the actions taken to correct the inaccuracies, and an updated version of my credit report reflecting the removal of the fraudulent items. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting 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: NJ

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 Account Name... XXXX XXXX XXXX Account # XXXX XXXXXXXX ..... 
XXXX XXXX XXXX... XXXX XXXX... XXXX XXXXXXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c 1681 section 602 A. States i have the right to privacy..

15 u.sc. 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ... 15 u.s.c 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years ... ..15 u.s.c 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate...

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

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 Account Name... XXXXXXXX XXXX XXXX. Account # XXXX XXXX ..... 
XXXX XXXX XXXX... XXXX XXXX... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. 15 u.s.c 1681 section 602 A. States i have the right to privacy..

15 u.sc. 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ... 15 u.s.c 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years ... ..15 u.s.c 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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