vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
Despite my persistent efforts to address this issue, I would like to follow up about these fraudulent entries persist, adversely impacting my financial standing and creditworthiness. The fraudulent items in question they have been erroneously reported on my credit file. I have attached copies of supporting documents to substantiate my claims and provide proof of the fraudulent nature of these entries. I have undertaken several steps to rectify this issue : I have diligently submitted disputes through your bureau, providing comprehensive explanations and supporting documentation to contest the fraudulent nature of these entries. I have communicated directly with the creditors associated with these fraudulent items, seeking their cooperation in rectifying this matter. Unfortunately, these efforts have not resulted in the removal of these fraudulent entries. I have followed the appropriate channels to dispute these inaccuracies numerous times, yet the fraudulent items persist in my credit file. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX  XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/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 XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXXXXXX XXXX XXXX {$380.00} XXXX XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$260.00} XXXXXXXX XXXX XXXX Balance : {$380.00} XXXX XXXXXXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX & XXXX XXXX Balance : {$0.00} 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 non-monetary relief
Consumer complaint received 2024-07-05 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: FL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: FL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-07-05 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: IN

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous XXXX XXXX and I included it again. Kindly correct the following accounts : 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 2024-07-05 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: VA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-07-05 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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-07-05 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: NY

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and Equifax credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: VA

Complaint narrative:
I am writing to express serious concerns about issues I have encountered with the credit bureau. Upon reviewing my credit report, I have discovered several inaccuracies, such as false account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These discrepancies are having a significant impact on my financial security, and I urgently seek your assistance in resolving these issues.

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry 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 2024-07-05 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: AZ

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2024-07-05 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: AZ

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally lodge a complaint against XX/XX/XXXXfor providing inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. 
I recently reviewed my credit report and found that XXXX XXXX has reported erroneous information regarding my account. The details are as follows : Creditor : XX/XX/XXXXAccount Number : XXXX Inaccuracy : Number of months terms, dates of last activity, conflicting comments, number of months review, term source type XXXX have made several attempts to resolve this matter directly with XX/XX/XXXXbut my efforts have been unsuccessful. Despite providing them with evidence proving the inaccuracy, the incorrect information remains on my credit report. This inaccurate reporting has negatively impacted my credit score and has caused me significant distress. 
Under the Fair Credit Reporting Act, XXXX XXXX is obligated to report accurate information. By providing false information, they are in violation of federal law, which mandates that all information furnished to credit reporting agencies be accurate and complete. 
I request that the CFPB intervene in this matter and ensure that XXXX XXXX immediately corrects the inaccurate information and updates all three major credit reporting agenciesXX/XX/XXXXXXXX, and TransUnion. I also request that XXXX XXXX provide me with written confirmation once the corrections have been made. 
Thank you for your attention to this matter. I trust that the CFPB will take prompt action to resolve this issue and protect my consumer rights.

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 2024-07-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I have paid original creditor Advance Financial balance down to {$700.00} Advance Financial sold debt to XXXX XXXX XXXX for original amount as though there was no payments made. There is a current CFPB complaint # XXXX. I did not request within that complaint what I am about to request now that is within my rights to request according to the fair debt collection laws set in place.This company sent me verification of this debt only. I am now requesting 4 specific things in regards to Debt Validation according to:15 USC 1692G .

1. I want a detailed payment history of payments I have made on this account. 

2. I want for XXXX XXXX XXXX to send me a copy of my signature guaranteeing that I would pay XXXX XXXX XXXX if debt go in default with Advance Financial. 

3.I am wanting proof of any insurance claims that may have been filed on this debt to be provided to me. 

4.I want CHAIN OF TITLE proof to collect on this debt. 

The debt owed amount and what is trying to be collected is inaccurate. I need mentioned items above to be provided according to FAIR DEBT COLLECTION PRACTICES LAW 15 USC 1692G. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: PA

Complaint narrative:
I have identified information on my consumer report that are result of identity theft, these items are not related to any transaction completed by me the consumer. 

Pursuant to 15 U.S.C. 1581b Any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 
( 2 ) In accordance with the written instruction of the consumer to whom it relates. with that being stated if they can not produce a written affidavit signed by me with a wet signature all the following should be removed from my consumer report. 

InquiriesXXXX 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

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 2024-07-05 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:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-07-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
My identity was stolen on XXXX, XXXXXXXX XXXX  I filed a dispute and was told that my credit would be Frozen, and that i should contact the FTC and have them help with fixing the problem, but there is still a hard inquiry from this company on my credit report. the company is Capital One. Someone tried to open an account/Credit card in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: VA

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: NC

Complaint narrative:
I am writing to formally lodge a complaint against Ally Financial for providing inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. 
I recently reviewed my credit report and found that XXXX XXXX has reported erroneous information regarding my account. The details are as follows : Creditor : Ally Financial Account Number : XXXX Inaccuracy : Number of months terms, dates of last activity, conflicting comments, number of months review, term source type XXXX have made several attempts to resolve this matter directly with Ally Financial, but my efforts have been unsuccessful. Despite providing them with evidence proving the inaccuracy, the incorrect information remains on my credit report. This inaccurate reporting has negatively impacted my credit score and has caused me significant distress. 
Under the Fair Credit Reporting Act, XXXX XXXX is obligated to report accurate information. By providing false information, they are in violation of federal law, which mandates that all information furnished to credit reporting agencies be accurate and complete. 
I request that the CFPB intervene in this matter and ensure that XXXX XXXX immediately corrects the inaccurate information and updates all three major credit reporting agenciesEquifax, XXXX, and XXXX. I also request that XXXX XXXX provide me with written confirmation once the corrections have been made. 
Thank you for your attention to this matter. I trust that the CFPB will take prompt action to resolve this issue and protect my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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: NC

Complaint narrative:
I am writing to formally lodge a complaint against XX/XX/XXXX for providing inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. 
I recently reviewed my credit report and found that XXXX XXXX has reported erroneous information regarding my account. The details are as follows : Creditor : XXXX XXXX  Account Number : XXXX Inaccuracy : Number of months terms, dates of last activity, conflicting comments, number of months review, term source type I have made several attempts to resolve this matter directly with XX/XX/XXXX, but my efforts have been unsuccessful. Despite providing them with evidence proving the inaccuracy, the incorrect information remains on my credit report. This inaccurate reporting has negatively impacted my credit score and has caused me significant distress. 
Under the Fair Credit Reporting Act, XXXX XXXX is obligated to report accurate information. By providing false information, they are in violation of federal law, which mandates that all information furnished to credit reporting agencies be accurate and complete. 
I request that the CFPB intervene in this matter and ensure that XXXX XXXX immediately corrects the inaccurate information and updates all three major credit reporting agenciesXXXX Experian, and XXXX. I also request that XXXX XXXX provide me with written confirmation once the corrections have been made. 
Thank you for your attention to this matter. I trust that the CFPB will take prompt action to resolve this issue and protect my consumer rights.

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