vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

The items in dispute are as follows : XXXX XXXX Date of inquiry : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX they financed a XXXX in my name that I know nothing about

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is erroneous and I have no relationship to it. Please remove the following information from my credit report immediately 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 2024-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My problem is that I was not giving a forewarning once the limit started to decrease. They will wait until I paid the balance as of around XXXX I started paying the card down from being maxed out at the total credit limit of {$500.00} so that by XXXX it was at 30 % but by the time the credit card statement ended it it messed up the original plan as it had changed the limit from XXXX to XXXX so instead of it showing a 30 % usage it was showing more. And they did this repeatedly as I paid it down to where which now the credit limit was XXXX and I wanted to make sure it was sure no more than 30 % usage And again they changed the limit in the midst of the billing cycle so that wants to cycle was finished it show more than 30 % usage with a credit limit of {$100.00}. I wasn't given any forewarning. And this was a car that was always minimum paid and as of XXXX being managed properly. As a matter of fact as the limits began to drop I started not to use the card with more than a 30 % you should teach month and making sure it was paid down to 15 % if not to zero.which is not very much because now it's {$100.00}. My thing is that I had the XXXX XXXX managed by the same company so that my wife could do her dental work. Now that usage or the ability to pay off was not done in the matter which I understand why they decreased that limit ..... But the XXXX XXXX I don't understand as I diligently had that card paid down and them asking to please I'll show Mercy on that account. I see that the sounds account was never bothered. And I am okay with the XXXX XXXX being reduced but I'm asking since XXXX XXXX has had a better history that it please be shown some mercy... I missed my wife as an authorized user and the drops in the credit limit also affected her credit history. And again this was the car that was managed much better and if they had not messed with the limits it wouldn't have caused her score to decrease as I say they didn't change the limit after the billing cycle it was during the XXXX world which the amount pay it was expected to have a more positive outcome The following month in addition to the credit reporting.

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 2024-10-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My problem is that I was not giving a forewarning once the limit started to decrease. They will wait until I paid the balance as of around XXXX I started paying the card down from being maxed out at the total credit limit of {$500.00} so that by XXXX it was at 30 % but by the time the credit card statement ended it it messed up the original plan as it had changed the limit from XXXX to XXXX so instead of it showing a 30 % usage it was showing more. And they did this repeatedly as I paid it down to where which now the credit limit was XXXX and I wanted to make sure it was sure no more than 30 % usage And again they changed the limit in the midst of the billing cycle so that wants to cycle was finished it show more than 30 % usage with a credit limit of {$100.00}. I wasn't given any forewarning. And this was a car that was always minimum paid and as of XXXX being managed properly. As a matter of fact as the limits began to drop I started not to use the card with more than a 30 % you should teach month and making sure it was paid down to 15 % if not to zero.which is not very much because now it's {$100.00}. My thing is that I had the XXXX XXXX managed by the same company so that my wife could do her dental work. Now that usage or the ability to pay off was not done in the matter which I understand why they decreased that limit ..... But the XXXX XXXX I don't understand as I diligently had that card paid down and them asking to please I'll show Mercy on that account. I see that the sounds account was never bothered. And I am okay with the XXXX XXXX being reduced but I'm asking since XXXX XXXX has had a better history that it please be shown some mercy... I missed my wife as an authorized user and the drops in the credit limit also affected her credit history. And again this was the car that was managed much better and if they had not messed with the limits it wouldn't have caused her score to decrease as I say they didn't change the limit after the billing cycle it was during the XXXX world which the amount pay it was expected to have a more positive outcome The following month in addition to the credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: GA

Complaint narrative:
My problem is that I was not giving a forewarning once the limit started to decrease. They will wait until I paid the balance as of around XXXX I started paying the card down from being maxed out at the total credit limit of {$500.00} so that by XXXX it was at 30 % but by the time the credit card statement ended it it messed up the original plan as it had changed the limit from XXXX to XXXX so instead of it showing a 30 % usage it was showing more. And they did this repeatedly as I paid it down to where which now the credit limit was XXXX and I wanted to make sure it was sure no more than 30 % usage And again they changed the limit in the midst of the billing cycle so that wants to cycle was finished it show more than 30 % usage with a credit limit of {$100.00}. I wasn't given any forewarning. And this was a car that was always minimum paid and as of XXXX being managed properly. As a matter of fact as the limits began to drop I started not to use the card with more than a 30 % you should teach month and making sure it was paid down to 15 % if not to zero.which is not very much because now it's {$100.00}. My thing is that I had the XXXX XXXX managed by the same company so that my wife could do her dental work. Now that usage or the ability to pay off was not done in the matter which I understand why they decreased that limit ..... But the XXXX XXXX I don't understand as I diligently had that card paid down and them asking to please I'll show Mercy on that account. I see that the sounds account was never bothered. And I am okay with the XXXX XXXX being reduced but I'm asking since XXXX XXXX has had a better history that it please be shown some mercy... I missed my wife as an authorized user and the drops in the credit limit also affected her credit history. And again this was the car that was managed much better and if they had not messed with the limits it wouldn't have caused her score to decrease as I say they didn't change the limit after the billing cycle it was during the XXXX world which the amount pay it was expected to have a more positive outcome The following month in addition to the credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX - Account Number : XXXX XX/XX/XXXX Account Name : XXXX - Account Number : XXXX XX/XX/XXXX UNAUTHRORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report and found an Inquiry on there to be inaccurate. Under 15 U.S. Code 1681e ( B ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverified information ( A ) In general if, any reinvestigation under paragraph ( XXXX ) of information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified by the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information and the information has been modified or deleted from the file of the consumer. Please removed the following item from my credit report, immediately INQUIRY XXXXXXXX XXXX ( XXXX XX/XX/year> XXXX XXXX ( XXXX ) XX/XX/year>

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 2024-10-15 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: GA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-10-15 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account XXXX : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name XXXX XXXX XXXX XXXXV # XXXX UNAUTHRORIZED INQUIRIES : XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX  XXXX XXXX Balance {$5900.00} XXXX XXXX XXXX Balance {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this 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 explanation