vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 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: TX

Complaint narrative:
I am writing to bring to your attention an ongoing issue regarding the late opening of my accounts. Despite my previous attempts to address this matter, I regret to inform you that the issue remains unresolved. As a valued customer, I am reaching out once again to request your assistance in rectifying this issue promptly. 

Upon reviewing my account records, it has come to my attention that the opening dates listed for my accounts are inaccurate. Despite my efforts to provide the correct information, it appears that the discrepancy persists. I understand that errors can occur, and I appreciate your attention to this matter. However, I kindly urge you to prioritize the correction of this discrepancy to ensure that my account records accurately reflect the true opening dates. With this, I am asking for your assistance to correct the accounts : XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance : {$5200.00}.

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 2024-05-16 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: TX

Complaint narrative:
I am writing to bring to your attention an ongoing issue regarding the late opening of my accounts. Despite my previous attempts to address this matter, I regret to inform you that the issue remains unresolved. As a valued customer, I am reaching out once again to request your assistance in rectifying this issue promptly. 

Upon reviewing my account records, it has come to my attention that the opening dates listed for my accounts are inaccurate. Despite my efforts to provide the correct information, it appears that the discrepancy persists. I understand that errors can occur, and I appreciate your attention to this matter. However, I kindly urge you to prioritize the correction of this discrepancy to ensure that my account records accurately reflect the true opening dates. With this, I am asking for your assistance to correct the accounts : XXXX XXXX  XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance : {$5200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: TX

Complaint narrative:
XXXX XXXX and TransUnion are sharing my personal information with third party companies on the promotion side soft inquiry which allows companies to review my credit report without making a hard pull which is a direct violation of my privacy rights under 5 USC 552 ( a ) and 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 non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX Equifax and XXXX are sharing my personal information with third party companies on the promotion side soft inquiry which allows companies to review my credit report without making a hard pull which is a direct violation of my privacy rights under 5 USC 552 ( a ) and the privacy Act of 1974

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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:
Despite making timely payments, the report indicates two late payments. It's crucial for consumer reporting agencies to maintain complete accuracy in their reporting. However, this account has never been late on payments. I've enclosed a copy of my report for your reference, highlighting the discrepancies dated XX/XX/XXXX and XX/XX/XXXX. I kindly request a thorough investigation into this matter and urge you to provide verifiable evidence supporting the alleged late payments. 

I am now requesting proof of the previous investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.

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 2024-05-16 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: FL

Complaint narrative:
Despite making timely payments, the report indicates two late payments. It's crucial for consumer reporting agencies to maintain complete accuracy in their reporting. However, this account has never been late on payments. I've enclosed a copy of my report for your reference, highlighting the discrepancies dated XX/XX/XXXX and XX/XX/XXXX. I kindly request a thorough investigation into this matter and urge you to provide verifiable evidence supporting the alleged late payments. 

I am now requesting proof of the previous investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: AZ

Complaint narrative:
Upon reviewing my credit profile, I noticed there are several inaccurate listings. These accounts are very error in reporting. The following accounts, therefore, need to be investigated immediately to publish my correct credit record : Experian : 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 explanation
Consumer complaint received 2024-05-16 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: TN

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to bring to your attention an ongoing issue regarding the late opening of my accounts. Despite my previous attempts to address this matter, I regret to inform you that the issue remains unresolved. As a valued customer, I am reaching out once again to request your assistance in rectifying this issue promptly. 

Upon reviewing my account records, it has come to my attention that the opening dates listed for my accounts are inaccurate. Despite my efforts to provide the correct information, it appears that the discrepancy persists. I understand that errors can occur, and I appreciate your attention to this matter. However, I kindly urge you to prioritize the correction of this discrepancy to ensure that my account records accurately reflect the true opening dates. With this, I am asking for your assistance to correct the accounts : XXXX XXXX  XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance : {$5200.00}.

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 2024-05-16 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: AZ

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 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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is continuously reporting inaccurate information on my report and refuse to report accurately. According to the Fair Credit reporting Act 15 USC 1681 section 602, it states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX and Experian are consumer reporting agencies and I am the Consumer. Pursuant to 15 U.S. Code 1681e ( b ) consumer reporting agencies shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account is NOT following reasonable procedures to assure maximum possible accuracy. It is reporting inaccurately. Please DELETE immediately all accounts that reference charge-offs.

Pursuant to 15 U.S. Code 1601, all charged-off accounts must be DELETED. 
XXXX XXXX XXXX  XXXX These items must be DELETED immediately. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.

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 2024-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: AK

Complaint narrative:
Was contacted on Saturday XX/XX/year> at XXXX PM by automated phone call requesting immedate call back no explaination as to what it concerned call back only to be informed that they was closed and to call back on weekday or make payment automatically, then i have recieved XXXX on XX/XX/year> XXXX  messages demanding payment XXXX XXXX AM which i replied stop to be removed because i had no idea who this was, then XXXX more XXXX came in at XXXX AM demanding payment even though NO ONE has said what this was about. recieved opt out at XXXX PM. i also received first mail letter from them which finally said what this was about on XX/XX/year> through XXXX MAIL, it concerns a bill that has been paid to XXXX XXXX  XXXX XXXX by the XXXX XXXX XXXX XXXX on a referral to them from XXXX. what is concerning is they are making calls that cant be answered on days they can't recieve calls back then send multiple text messages that was never sign up for. they also need to contact Original Debtor to find why they havent removed this as they was paid by a XXXX XXXX. this is harassment and uncalled for practises

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: TX

Complaint narrative:
I am writing to follow up on our ongoing efforts to remove the fraudulent items from my credit report. Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. As we enter the fourth attempt to address this matter, it is crucial to emphasize the urgency and importance of rectifying these discrepancies promptly. The presence of fraudulent items not only undermines my financial credibility but also poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. With this, I am asking for your assistance to remove the fraudulent 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

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 2024-05-16 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: TX

Complaint narrative:
I am writing to follow up on our ongoing efforts to remove the fraudulent items from my credit report. Despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. As we enter the fourth attempt to address this matter, it is crucial to emphasize the urgency and importance of rectifying these discrepancies promptly. The presence of fraudulent items not only undermines my financial credibility but also poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. With this, I am asking for your assistance to remove the fraudulent 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: Uplift, Inc
State: AL

Complaint narrative:
15 U.S. Code 1681 A Consumer Reporting Agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from XXXX XXXX not later then XXXX business days after the date of receipt. 

It has been XXXX  days and you are in violation of the law because I am a victim of XXXX XXXX! 1 Please delete these items as soon as possible. 


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 explanation
Consumer complaint received 2024-05-16 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: FL

Complaint narrative:
I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX. fraudulent account XXXX XXXX Bankruptcy- XXXX XXXX XXXX. fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I contacted Legal Aid Society today and they provide me your company 's contact information regarding how I have not received any reduce payment from Capital One because of my XXXX hardship. Every since late last year I have been explaining to them that I had XXXX XXXXXXXX in XXXX and I was unable to work and only received XXXX XXXX until I can find a gainful employment. And I keep requesting for them every month because they tell me to call back can to see if they can make payment arrangements but they never do this is Capital One and I'm sure I'm not the only XXXX. Never seen credit company like this not being able to work with some money experience the financial hardship. It's almost like a strong-arm because every month my credit keeps dropping. So the month of XXXX and XXXX of this year I paid them XXXX and before that in XXXX {$85.00}. Now I am behind on my XXXX with XXXX. Just to try to appease them so my credit won't get ruined. I need help in dealing with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : 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