vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 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.

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$4800.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4400.00} US DEPT ED XXXX Balance Owed : {$3700.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$11000.00} US DEPT ED XXXX Balance Owed : {$5400.00} US DEPT ED XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-04 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.

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$4800.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4400.00} US DEPT ED XXXX Balance Owed : {$3700.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$11000.00} US DEPT ED XXXX Balance Owed : {$5400.00} US DEPT ED XXXX Balance Owed : {$7400.00XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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 like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX 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 2024-03-04 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: MA

Complaint narrative:
I hope this email finds you well. I am writing to express my deep concern and frustration regarding the presence of fraudulent items on my account. Despite numerous attempts to address this issue, I have not seen any meaningful progress in removing these fraudulent items from my account. 

As a loyal customer, I trust your company to maintain the integrity and security of my account. However, the presence of fraudulent items not only undermines this trust but also poses a significant risk to my financial well-being. 

I have taken all necessary steps to report these fraudulent items, providing detailed information and supporting evidence. However, the lack of action on your part to promptly investigate and remove these items is unacceptable. 

I urge you to prioritize the immediate removal of these fraudulent items from my account and to conduct a thorough investigation into the source of these fraudulent activities. Additionally, I request regular updates on the status of my complaint and the actions being taken to address this issue. 

Failure to resolve this matter promptly will force me to explore other options to protect my account and financial interests. I trust that you understand the urgency of this matter and will take immediate action to rectify the situation. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX Balance Owed : {$550.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX  XXXX Balance Owed : {$910.00} XXXX XXXX Balance Owed : {$870.00} 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX  XXXX, MA XXXX DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX  XXXX Balance Owed : {$910.00} XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX  XXXX Balance Owed : {$910.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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.

Complaint narrative:
This is my several endeavor 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, block 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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.

Complaint narrative:
This is my several endeavor 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, block 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: GA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have 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 account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed 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 explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
The following companys ran my credit for auto loans that I did not authorize. Someone in Montana tried to purchase a car with my identity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL 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 2024-03-04 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: PA

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 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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I checked my credit report and noticed I have fraudulent unauthorized inquiries on my credit. I have tried multiple times to get a few of the inquiries removed to no avail. I have attached my FTC Identity Theft report and dispute letter to this complaint.

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 2024-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I filed this complaint before with ref numbers : XXXX & XXXX I emailed and called citi bank few times since XXXX XXXX asking to send my cheque- didn't get any response despite apparent 15 calendar days processing time.

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 2024-03-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NE

Complaint narrative:
I attempted to pay on the due date issued and made my payments before the due date. The lender then reversed my payments every single time except for the first time. They told me my account was mislabeled and that was the cause for the reversal but this was a lie as I had checked through their system and everything was in order. They then tried to blame me and my bank for the issues despite my conferring with my bank thate everything was in order.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: PA

Complaint narrative:
To whom this may concern, my name is XXXX XXXX, and this statement is being generated by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in violation under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave this consumer my written instruction or written consent to report anything on my consumer report which violates my rights as a federally protected consumer. No consent IS IDENTITY THEF! For this reason, I am demanding removal of these accounts IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MS

Complaint narrative:
XXXX has identified LexisNexis as the furnishing agent of the invalidated and incorrect information of bankruptcies being reported to my consumer reports. They are in direct violation of 15 USC 1681b. They do not have permissible purpose to report any information. They have not verified nor validated any information. If they proclaim to have done so then they are committing fraud because the courts have stated that they do not furnish data. They do not verify any information, so how did they validate that the information being reported was 100 % correct? This is a violation of my privacy and has hindered my ability to access credit which is my natural right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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 formally lodge a complaint regarding the inaccurate reporting of late open accounts on my credit report. Despite my repeated attempts to rectify this issue, the erroneous late payment status remains unjustly impacting my credit profile. 

I initiated the process to address the inaccurate reporting of late open accounts on my credit report. I provided comprehensive documentation and explanations to demonstrate that these late payment statuses were incorrect and should be corrected without delay. However, to my disappointment, subsequent reviews and investigations by your agency have failed to rectify this issue, leaving the late payment statuses unchanged. 

The presence of these inaccurate late payment statuses severely undermines my creditworthiness and financial credibility. It misrepresents my credit history and financial responsibility, leading to adverse consequences such as higher interest rates, difficulty obtaining credit, and hindered financial opportunities. 

I urge your agency to take immediate action to correct this matter. Specifically, I request that : The inaccurate late payment statuses on my open accounts be promptly corrected to reflect the accurate payment history. 
A thorough investigation be conducted into the handling of my dispute, including an examination of why the evidence provided was not considered in previous reviews. 
Clear and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar inaccuracies from occurring in the future. 

Thank you for your attention to this matter. I trust that you will take the necessary steps to address this complaint and restore the accuracy of my credit report.With this, I am asking for your assisstance to correct these accounts in my credit file : 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 2024-03-04 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 formally lodge a complaint regarding the inaccurate reporting of late open accounts on my credit report. Despite my repeated attempts to rectify this issue, the erroneous late payment status remains unjustly impacting my credit profile. 

I initiated the process to address the inaccurate reporting of late open accounts on my credit report. I provided comprehensive documentation and explanations to demonstrate that these late payment statuses were incorrect and should be corrected without delay. However, to my disappointment, subsequent reviews and investigations by your agency have failed to rectify this issue, leaving the late payment statuses unchanged. 

The presence of these inaccurate late payment statuses severely undermines my creditworthiness and financial credibility. It misrepresents my credit history and financial responsibility, leading to adverse consequences such as higher interest rates, difficulty obtaining credit, and hindered financial opportunities. 

I urge your agency to take immediate action to correct this matter. Specifically, I request that : The inaccurate late payment statuses on my open accounts be promptly corrected to reflect the accurate payment history. 
A thorough investigation be conducted into the handling of my dispute, including an examination of why the evidence provided was not considered in previous reviews. 
Clear and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar inaccuracies from occurring in the future. 

Thank you for your attention to this matter. I trust that you will take the necessary steps to address this complaint and restore the accuracy of my credit report.With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have been reporting since XXXX that XXXX XXXX account status is inaccurate and is a violation of the Fair Credit Reporting Act. After several disputes, calls made to Equifax and letters written to XXXX XXXX to force Equifax to update and change the Account Status from CLOSED to OPEN, Equifax still refuses to update and or correct the account status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to address a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there a instances of late payment recorded on my account. I am writing to request the removal of this late payment from my credit report. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to address a matter of concern regarding my credit report. Upon reviewing my credit history, I noticed that there a instances of late payment recorded on my account. I am writing to request the removal of this late payment from my credit report. 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