vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-13 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: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion, This is my final attempt to have you willfully abide by the United States law before pursuing formal litigation against your corporation. I have sent numerous reports to your corporation and you have chosen not to comply with the United States law. Per 15 U.S. Code 1679c states You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information.. By law you are required to dispute and investigate anything that I deem inaccurate on my credit file. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card per 15 usc 1681 and 15 usc 1602 ( i ) is ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. CONGRESS SAID ANY CARD, In this case the credit card is my social security card. This card was used to originate every consumer credit transaction below. Every item listed below shall be removed from my credit file immediately pursuant to 15 usc 1681a ( 2 ) ( B ). Furthermore, I have never given your agency the written consent to furnish my credit report pursuant to 15 us 1681B-In accordance with the written instructions of the consumer to whom it relates. Again I am demanding that you remove these transactions from my credit file immediately as you are willingingly violating my rights as a federally protected consumer under title 15 chapter 41. Results of your deletion should only be delivered as a response to my CFPB complaint. If you deliver your deletion results anywhere outside of where I the consumer consented you WILL be fine {$1000.00} for mail fraud pursuant to 18 U.S. Code 1342. 
Continuing your non compliance will result in litigation and a {XXXX fine per violation. 
Items to be deleted immediately : Regional XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/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 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion, This is my final attempt to have you willfully abide by the United States law before pursuing formal litigation against your corporation. I have sent numerous reports to your corporation and you have chosen not to comply with the United States law. Per 15 U.S. Code 1679c states You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information.. By law you are required to dispute and investigate anything that I deem inaccurate on my credit file. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card per 15 usc 1681 and 15 usc 1602 ( i ) is ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. CONGRESS SAID ANY CARD, In this case the credit card is my social security card. This card was used to originate every consumer credit transaction below. Every item listed below shall be removed from my credit file immediately pursuant to 15 usc 1681a ( 2 ) ( B ). Furthermore, I have never given your agency the written consent to furnish my credit report pursuant to 15 us 1681B-In accordance with the written instructions of the consumer to whom it relates. Again I am demanding that you remove these transactions from my credit file immediately as you are willingingly violating my rights as a federally protected consumer under title 15 chapter 41. Results of your deletion should only be delivered as a response to my CFPB complaint. If you deliver your deletion results anywhere outside of where I the consumer consented you WILL be fine {XXXX} for mail fraud pursuant to 18 U.S. Code 1342.

Continuing your non compliance will result in litigation and a XXXX} fine per violation. 
Items to be deleted immediately : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is DOUBLE reporting these time-barred accounts. On XX/XX/XXXX, confirmation # XXXX, they reported the XXXX XXXX CLOSED account under the merchant, XXXX XXXX acct # XXXX. The correct information was reported : Date Opened : XX/XX/XXXX - Date of Last Activity and Date of Last Payment XX/XX/XXXX. Under XXXX XXXX they are reporting the Date of Last Activity as XX/XX/XXXX, with a Date Reported as XX/XX/XXXX. The XXXX XXXX acct was reported under the merchant, XXXX XXXX  acct # XXXX with incorrect " Date Opened '' information : Date Opened : XX/XX/XXXX - Date of Last Activity and Date of Last Payment XX/XX/XXXX. Under XXXX XXXX they are reporting the Date of Last Activity as XX/XX/XXXX, with a Date Reported as XX/XX/XXXX. I opened the XXXX XXXX account in XX/XX/XXXX and paid it off in XX/XX/XXXX - it was a 90-day same as cash promotion ; I only used the account one time. It appears that when the 7-year statute of limitation for credit reporting expired under the merchants ' name, Equifax started using the bank name to report the time-barred information for another 7 years. I rarely check my credit because I know I haven't opened any credit accounts within the past 7 years and thought it was the student loan that affected my credit score. It seems as if Equifax is re-aging these 2 OLD accounts - both have been on my credit report for 16 YEARS!! They should not be allowed to do this. I am very concerned by this action as it appears that Equifax is deliberately trying to wreck my credit and is the reason why my auto loans have such HIGH-interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

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 2021-06-13 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: ND

Complaint narrative:
I purchased a unit from XXXX XXXX XXXX for {$1300.00} over the phone on XX/XX/2020. I told them it had to be delivered by Wednesday XX/XX/2020. I paid for this through PayPal Using Synchrony. When the invoice came I noticed that it was being sent to my billing address not the delivery address I gave them. I called them immediately and told them of this mistake. They said they would take care of it. The package had " Signature Required '' for delivery. When the package still went to the wrong address I called to tell them it would not make it in time. They told me that was OK as it had a " signature required '' and would not be delivered and would be sent back to them. They would then refund my purchase. On Friday the XXXX XXXX XXXX XXXX  removed the " Signature Required '' from the shipment and the Package was delivered to an empty lot, or that is what the XXXX driver said. I do not have my package and the package was not delivered with " Signature Required ''. The documents clearly show it was to be delivered with " Signature Required ''. XXXX does not see this they only see the package was delivered even after explaining it to them many times. There is no way to talk directly with the person who makes this decision. You only talk to a representative " phone person ''. I can not get an answer from XXXX as to why they think the package was delivered. There is no proof the package was delivered as there is no signature to prove it was delivered, only a driver that says he dropped it off. He may have delivered it some place but it was not to me! He may also have just thrown it in a ditch. Without a signature it was not delivered. I can not go after XXXX XXXX XXXX because now there is interest on top of the purchase price.

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 monetary relief
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i have been complaining with the CRAS for months ( transunion, XXXX, and XXXX ) about the inaccurate and unverified items that they are reporting on my credit report. not only that the items that are more than 7 years never goes away and it is stressful and causing me not to get credit. also my personal information needs to be updated as well, please assist me in correcting this issue

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 2021-06-13 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: GA

Complaint narrative:
The XXXX XXXX credit card account was included on Schedule F of a discharged chapter XXXX bankruptcy in XX/XX/XXXX and there is no balance owed. Also, this account closed in XX/XX/XXXX. I have opened a complaint with XXXX  and have disputed this account twice. ( XX/XX/XXXX and XX/XX/XXXX ) The creditor is aware of the bankruptcy and updated the information in XXXX however, every other year the come back and update my file as if the account closed within the past 30 days, claim Im 120 days past due, and state that I owe XXXX. Experian refuses to remove it although Ive furnished documentation. They say the company says its accurate.

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 2021-06-13 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: NC

Complaint narrative:
XXXX is reporting information on my credit report that I do not have knowledge of. I have asked Equifax on the following dates the questions below. 
XX/XX/2021 XX/XX/2021 Accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The companies below and your company DID NOT notify me 5 days before placing these accounts on my credit report which os a clear violation of my rights under the FCRA. Please remove these accounts immediately. Please provide all of the information below for all of the accounts I listed above. 

What is the date of first delinquency? 
What is the date of last payment? 
How was this account verified with my full legal name, date of birth, and social security number? 
What is the address on file with the account? 
What is the phone number of the company providing the information to your company? 
What is the address of the company providing information to your company? 
What is the date of the original contract when the account was opened? 
Was the information sent to your company by electronic mail, facsimile, XXXX, USPS, XXXX, XXXX, or another secure method? 
What is the name of the person that is providing information to your company? Is it someone from the company or a third party? 
Please provide a clear copy of a contract for each account showing my name, address, and signature. If your company can not provide all of the information I am requesting, please remove the accounts from my credit report immediately. 

Equifax never answered any of my questions and none of these companies sent me a letter in reference to the accounts they reported to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i have been complaining with the CRAS for months ( XXXX, equifax, and XXXX  ) about the inaccurate and unverified items that they are reporting on my credit report. not only that the items that are more than 7 years never goes away and it is stressful and causing me not to get credit. also my personal information needs to be updated as well, please assist me in correcting this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: GA

Complaint narrative:
The XXXX XXXX credit card account was included on Schedule F of a discharged chapter XXXX bankruptcy in XX/XX/XXXX and there is no balance owed. Also, this account closed in XX/XX/XXXX. I have opened a complaint with XXXX  and have disputed this account twice. ( XX/XX/XXXX and XX/XX/XXXX ) The creditor is aware of the bankruptcy and updated the information in XXXX however, every other year the come back and update my file as if the account closed within the past 30 days, claim Im 120 days past due, and state that I owe XXXX. XXXX  refuses to remove it although Ive furnished documentation. They say the company says its accurate.

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 2021-06-13 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: TN

Complaint narrative:
When I first got the car it was with a local car lot, and then they sold my account to XXXX XXXX XXXX without my consent or knowledge. I started dealing with XXXX XXXX XXXX and told them that it would cost more to fix the car then to get another one. They agreed and said they would not tow the car or dont want it since it would cost them more money if they towed it. They are still reporting to my credit as late payments for a car I no longer have and they didnt want to pick up. I want this remove from my credit and the late payments to stop being reported it is predatory.

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 2021-06-13 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: U.S. Auto Credit Corporation
State: TN

Complaint narrative:
When I first got the car it was with a local car lot, and then they sold my account to US Auto Credit without my consent or knowledge. I started dealing with US Auto Credit and told them that it would cost more to fix the car then to get another one. They agreed and said they would not tow the car or dont want it since it would cost them more money if they towed it. They are still reporting to my credit as late payments for a car I no longer have and they didnt want to pick up. I want this remove from my credit and the late payments to stop being reported it is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I received notice through my credit monitoring app that I had a number of collections posted to my credit reports. These accounts are not mine. At or around XX/XX/2021 I submitted letters to Equifax, XXXX  and XXXX  requesting verification of these collections/ charge-offs and to see proof that these accounts were mine since I am the only one who can truly verify this debt. I did not give them permission to share this information. 

It has been over 30 days and have not received an updated report, nor any documents with signature from the companies in question, even the bureaus. They are in violation of FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) as well as 15 United States Code 1681i for no response within a reasonable time limit. 


Accounts in question : XXXX {$2100.00} XXXX XXXX {$660.00} XXXX {$0.00} XXXX  {$14000.00} I am acting on my own behalf. I do not authorize anyone or third party to act or verify who isn't me.

Company response to consumer: Closed with explanation