vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 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: CA

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 been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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

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 2024-01-26 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: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: SC

Complaint narrative:
Consumer reporting agency is continuously furnishing accounts incorrectly and fraudulently. 

Charge offs are being furnished and updated when income is not to be furnished on the consumer report. 

Needs to be reported as PAID IN FULL / PAID AS AGREED This is violation of The Privacy Act of 1974.

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 2024-01-26 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I went through a personal hardship and was unable to make my AmEx payments on time for a few months. This was long enough that they closed the account and i was then unable to access my account online to make payments or see any of my account information. My card is missing and I do not have the full card # to use when calling to make a payment unless you can wait for over an hour on hold which I cant, so I am unable to get through most days when I try as the automated system does not recognize you without a full card # to enter and disconnects most of the time. 

Eventually I got through but each time I call and get a person on the line I get different answers about my account and its all misleading. 

Most recently I was calling to see how I could make a payment and when they transferred me to their payment sector I was asked for my contact information again and then informed it was a collections agency ( XXXX XXXX XXXX. ) attempting to collect a debt. I asked them for information on the account which they had none, and refused to verify the debt or give me information as to who is reporting on my credit or who I may speak to about the details of my account. They put me on hold and then told me that my AmEx account was already held by a separate collection debt management company other than theirs that Ive also never heard of or have a recollection of. XXXX XXXX XXXX told me that I owe them my account balance and in order for them to take payments or help me I have to call and ask the other collections agency to give them permission to take over my debt. This is alll very shady and misinforming. I was simply trying to reach American Express to make a payment or settle my account with them in good graces but not be led on by other collections agencies I have no contracts with and who can not discuss my account details in the first place. I have no business with XXXXXXXX XXXX XXXXXXXX and would like them to cease all contact and collections effort with me as they do not even have the right to my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Hello I contacted XXXX in XXXX  about a public records credit freeze. Due to my being a victim of XXXX XXXX. They sent me a notice letting me know that they would comply with my request but has failed to do so. I have reached out to them multiple times only to never be able to speak with the Special XXXX XXXX  Debt nor do they return my calls. I have also been hung up on multiple times. I ask that your agency conduct an investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Hello I contacted XXXX in XXXX  about a public records credit freeze. Due to my being a victim of XXXX XXXX. They sent me a notice letting me know that they would comply with my request but has failed to do so. I have reached out to them multiple times only to never be able to speak with the Special XXXX XXXX Debt nor do they return my calls. I have also been hung up on multiple times. I ask that your agency conduct an investigation into 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
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: KY

Complaint narrative:
Hello I contacted Lexisnexis in XXXX  about a public records credit freeze. Due to my being a victim of XXXX XXXX. They sent me a notice letting me know that they would comply with my request but has failed to do so. I have reached out to them multiple times only to never be able to speak with the Special XXXX XXXX  Debt nor do they return my calls. I have also been hung up on multiple times. I ask that your agency conduct an investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 2024-01-26 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: CA

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 non-monetary relief
Consumer complaint received 2024-01-26 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 have already submitted a complaint on XX/XX/year> with you guys and attached police report, identity theft report, and identification to request items be removed or deleted or proof of validity from previous dispute requests be provided. Either deleted in 4 days or proof be provided within 15 as law states. Some items were removed but not others and they were all identity theft. Companies responded still working on it but thats unacceptable because investigation was already done prior so where are the results validating these accounts and if not why are they still reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: TX

Complaint narrative:
reported inaccurate information regarding me noted below : Addresses XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX unit Reason : I have no knowledge of such addresses XXXX XXXX XXXX XXXX XXXX : incorrect name Employment XXXX XXXX XXXX ma XXXX XXXX XXXX ma Reason : I don't know this employer

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 2024-01-26 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: CA

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, 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 : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: 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.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 2024-01-26 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: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Balance : {$430.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: CA

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, 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 : {$0.00}.

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 2024-01-26 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:
My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and Experian has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX. CA XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$1300.00} DATE OPEN : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$0.00} DATE OPEN : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$3.00}, XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX SD XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$550.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT BALANCE : {$3100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT BALANCE : {$3700.00} DATE OPENED : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : UNKNOWN DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT BALANCE : XXXX DATE OPENED : 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 2024-01-26 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:
My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and Experian has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX. CA XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$1300.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$0.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$3.00}, XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX PL XXXX XXXX XXXX SD XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$550.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT BALANCE : {$3100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT BALANCE : {$3700.00} DATE OPENED : XX/XX/XXXX XXXX XXXX TAB BANK XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : UNKNOWN DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT BALANCE : XXXX DATE OPENED : 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 2024-01-26 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: Tebo Financial Services, Inc.
State: PA

Complaint narrative:
The company is reporting fraudulent and inaccurate information on my credit report. Ive requested that they send the purchase agreement to show full ownership of such account and other documents so that I may review them to determine if this is actually an account that belongs to me. Inside of the purchase agreement it states that the account information theyve purchased isnt 100 % accurate! This account # XXXX  does not belong to me and It needs to be DELETED off my credit report immediately 15 usc 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: AZ

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/20XXXX 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 2024-01-26 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: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX, XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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 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 non-monetary relief