vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 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: GA

Complaint narrative:
XXXX continues to submit an account that has been charged off over 5 years ago and the credit bureaus continues to update the information as though it just happen this year. The car was voluntarily surrendered in XX/XX/2018 ... ..No payments were made after XX/XX/2018 because employment was tremendously slowed with my wife business. The credit companies continue to allow XXXX to report this on our credit report to extend the length of time they are able to report this and We would like for it to stop immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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:
XXXX continues to submit an account that has been charged off over 5 years ago and the credit bureaus continues to update the information as though it just happen this year. The car was voluntarily surrendered in XX/XX/2018 ... ..No payments were made after XX/XX/2018 because employment was tremendously slowed with my wife business. The credit companies continue to allow XXXX to report this on our credit report to extend the length of time they are able to report this and We would like for it to stop immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document that are unknown to me and I am not agree with this. Based on FCRA, Section 605b, It is the responsibility of the Credit Bureaus to remove those informations which do not belongs to the owner. The following items are such an error in my file that needs to be remove : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance {$0.00} ; Dept Of XXXX XXXX Balance {$1900.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$1900.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} 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 2023-06-02 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: AR

Complaint narrative:
This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document that are unknown to me and I am not agree with this. Based on FCRA, Section 605b, It is the responsibility of the Credit Bureaus to remove those informations which do not belongs to the owner. The following items are such an error in my file that needs to be remove : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX ; Dept Of Ed/XXXX  XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$1900.00} ; Dept Of EdXXXX XXXX Balance {$0.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$1900.00} ; Dept Of XXXX XXXX Balance {$0.00} ; Dept Of Ed/Nelnet XXXX Balance {$0.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 Balance : {$880.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$99.00}, 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 non-monetary relief
Consumer complaint received 2023-06-02 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: MI

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 Balance : {$880.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$9000.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$99.00}, XXXX XXXX XX/XX/2022, XXXX XXXX  XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX has closed my account it be charge off but they are still reporting a negative mark for the past 60 days or so..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: CA

Complaint narrative:
XXXX XXXX has closed my account it be charge off but they are still reporting a negative mark for the past 60 days or so..

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 2023-06-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SHABANA MOTORS
State: TX

Complaint narrative:
SHABANA MOTORS After taking out my first vehicle from this business, i stayed up to date with my payments until I got wrecked and paid off the remainder of the loan to this company. After my settlement ( wasnt much after I paid my balance with this business ), i decided I needed a car so I put down {$2600.00} as a down payment. After I saw how much they were charging per month for a used XXXX XXXX with XXXX miles ( $ XXXX, {$30000.00} total value, plus their XXXX insurance ) - might as well be a truck- i wanted to back down but it was too late. I wanted a car, I signed paper after paper and put myself in a predicament that i couldnt get out of. I had a great job up until they decided to cut down on my hours so that there set me back so much. I tried explaining to Shabanna about my situation and they dont seem to care one bit. I lost my job because they decided they want to disable the car. So now they repossessed my car and have no transportation what so ever. These guys are XXXX. I want something to be done about this great company. Always XXXX  in low income XXXXXXXX and ruining their life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I've made a complaint to have inaccurate information removed from my credit report XX/XX/XXXX. I've submitted my documentation of proof the Bankruptcy Federal Court documents showing the Federal Court house doesn't share information with any agencies or the credit bureaus, third parties either. As of XX/XX/XXXX I received and email from Experian stating my Bankruptcy information was removed. But Experian decided to leave two inaccurate reports on my credit report which was part of my dispute last month XX/XX/XXXX I made the complaint and stated what accounts needed to be removed. Experian removed three Bankruptcies off my credit report. In my complaint I clearly stated to have the follow removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Record Type XXXX XXXX XXXX petition Reference Number XXXX Experian pick and chooses to remove whatever they want causing harm to my credit worthiness and still fails to provide proof of documentation as Experian claims their information has been verified by the Federal Bankruptcy court house. Under FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information.

Further, Under FCRA 607. Compliance procedures [ 15 U.S.C. 1681g ], ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. YOU ARE IN FEDERAL VIOLATION OF MY CONSUMER RIGHTS TO PRIVACY AND YOU ARE DAMAGING MY REPUTATION. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ]

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 2023-06-02 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: MI

Complaint narrative:
This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I checked my credit report and it stated that I had made a hard inquiry with Amex. I immediately called them to let them know it I never made any inquiry. I received a letter stating that they recently attempted to speak with me regarding a security concern on my account. AN ACCOUNT THAT I DO NOT HAVE. I called them again and spoke with a Fraud representative stating they will investigate and immediately close said account. It is so scary to know someone had used my information to create an account. The representative told me they can not disclose to me what the card or the account had been used for. But that I will receive a letter within 30 DAYS to summarize their investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to bring to your attention the inaccurate information that has been reported on my credit report by TransUnion. Despite my previous communication with TransUnion on XX/XX/XXXX, they have failed to respond or rectify the errors. I kindly request your assistance in addressing these concerns and ensuring compliance with federal law. 
Below, I have outlined the details of the inaccurate information and the necessary corrections for each account : The reported information regarding this account is inaccurate, and I request the necessary correction/update on my credit report. 

These accounts were never late, and I request the removal of the late payment notation from my credit report. 


XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$330000.00} ) : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} ) : These accounts do not belong to me, and I request its removal from my credit report. 


XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$980.00} ) XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$560.00} ) XXXX ( Account # XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Credit : {$1700.00} ) XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$360.00} )

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 2023-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the FCRA Kohls/Capital one charge card, has continuously violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written consent or instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

The dispute process will continue until my rights are no longer violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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 explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document that are unknown to me and I am not agree with this. Based on FCRA, Section 605b, It is the responsibility of the Credit Bureaus to remove those informations which do not belongs to the owner. The following items are such an error in my file that needs to be remove : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX ; Dept Of Ed/XXXX XXXX XXXX {$0.00} ; Dept Of EdXXXX XXXX Balance {$1900.00} ; Dept Of EdXXXX XXXX XXXX {$0.00} XXXX Dept Of Ed/XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX XXXX {$1900.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX 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