vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-19 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: MO

Complaint narrative:
I am writing to express my serious concerns and frustration regarding the unsuccessful attempts to rectify fraudulent items on my credit report. Despite my multiple efforts to dispute and correct this information, it persists on my credit file, causing significant harm to my financial reputation. 

I have attached copies of my credit reports highlighting the specific fraudulent items, along with supporting documentation that clearly demonstrates the illegitimate nature of these entries. 

Second dispute filed, providing additional evidence and supporting documentation. 
Third dispute submitted, accompanied by a detailed letter explaining the fraudulent nature of the items. 
Follow-up communication to check the status of the disputes and request resolution. 
Despite these diligent efforts, the fraudulent items persist on my credit report, impacting my creditworthiness and causing undue stress. I am aware of the seriousness of identity theft and the potential consequences for both consumers and creditors. 

I kindly request that you conduct a thorough and expedited investigation into this matter and promptly remove the fraudulent items from my credit report. Additionally, I expect a written response within 30 days of receiving this complaint, outlining the steps taken to address and resolve the situation. 

If my concerns are not adequately addressed within the specified timeframe, I will be left with no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-19 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: MO

Complaint narrative:
I am writing to express my serious concerns and frustration regarding the unsuccessful attempts to rectify fraudulent items on my credit report. Despite my multiple efforts to dispute and correct this information, it persists on my credit file, causing significant harm to my financial reputation. 

I have attached copies of my credit reports highlighting the specific fraudulent items, along with supporting documentation that clearly demonstrates the illegitimate nature of these entries. 

Second dispute filed, providing additional evidence and supporting documentation. 
Third dispute submitted, accompanied by a detailed letter explaining the fraudulent nature of the items. 
Follow-up communication to check the status of the disputes and request resolution. 
Despite these diligent efforts, the fraudulent items persist on my credit report, impacting my creditworthiness and causing undue stress. I am aware of the seriousness of identity theft and the potential consequences for both consumers and creditors. 

I kindly request that you conduct a thorough and expedited investigation into this matter and promptly remove the fraudulent items from my credit report. Additionally, I expect a written response within 30 days of receiving this complaint, outlining the steps taken to address and resolve the situation. 

If my concerns are not adequately addressed within the specified timeframe, I will be left with no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 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: NC

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 2023-12-19 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:
STOP CONTACTING ME. I SPECIFICALLY YELLED AT YOU PEOPLE MULTIPLE TIMES THAT THERE IS NOT IDENTITY THEFT. ( THAT RECORDING IS NOT INCLUDED BECAUSE XXXX LIMIT ON THIS XXXX SALES FORCE WEBSITE ) THERE IS FRAUD! YOU DEFRAUDED ME. YOUR BUSINESS IS FRAUDULENT! YOU NEED TO BE PLACED INTO LIQUIDATION TO PAY BACK CREDITORS LIKE ME! I AM DONE TALKING TO YOU! 
XXXX NOW, OR GO XXXX YOURSELF. I'M DONE WITH YOUR XXXX BANKS AND ECONOMIC ZONE. XXXX YOU! PURE FRAUD! PHYSICS IS UPSTREAM OF POLITICS. I WIN THIS NO MATTER WHAT. IF YOU DON'T SURRENDER SOON, THEN I WILL NOT ACCEPT SURRENDER EVER! IF I TESTIFY, YOU ARE GOING TO JAIL FOREVER! CONTACT XXXX XXXX XXXX FOR INFORMATION. XXXX. DO NOT CONTACT ME. YOU OWE ME FOR EVERY MINUTE I HAVE SPENT ON THIS CASE, AND NOT DOLLARS. XXXX DOLLARS. DEAD CURRENCY. WORTH XXXX! YOUR BUSINESS AND POLITICAL STRUCTURE IS GOING TO XXXX! FIGURE IT OUT XXXX! OR ELSE!

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 2023-12-19 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: GA

Complaint narrative:
I am writing to bring to your attention the ongoing challenges I have faced in attempting to correct inaccuracies on my credit report. Despite multiple efforts to rectify the situation, late open accounts and public records persist on my credit file, adversely affecting my creditworthiness. 

I have attached copies of my credit reports highlighting the specific late open accounts and public records, along with supporting documentation that demonstrates the inaccuracies. 

Despite my persistent efforts, the late open accounts and public records remain on my credit report, causing unwarranted damage to my financial standing. I understand the importance of accurate reporting for both consumers and creditors and am disappointed that my concerns have not been appropriately addressed. 

I kindly request that you conduct a comprehensive and expedited investigation into this matter and promptly correct the late open accounts and remove the public records from my credit report. Furthermore, I expect a written response within 30 days of receiving this complaint, detailing the steps taken to resolve the inaccuracies. 

If my concerns are not addressed within the specified timeframe, I will be left with no option but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to correct these late open accounts and removal of public record in my credit file : XXXX  XXXX XXXX Balance Owed : {$2000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 
XXXX XXXX XXXX Balance Owed : {$950.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX  XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.

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 2023-12-19 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: GA

Complaint narrative:
I am writing to bring to your attention the ongoing challenges I have faced in attempting to correct inaccuracies on my credit report. Despite multiple efforts to rectify the situation, late open accounts and public records persist on my credit file, adversely affecting my creditworthiness. 

I have attached copies of my credit reports highlighting the specific late open accounts and public records, along with supporting documentation that demonstrates the inaccuracies. 

Despite my persistent efforts, the late open accounts and public records remain on my credit report, causing unwarranted damage to my financial standing. I understand the importance of accurate reporting for both consumers and creditors and am disappointed that my concerns have not been appropriately addressed. 

I kindly request that you conduct a comprehensive and expedited investigation into this matter and promptly correct the late open accounts and remove the public records from my credit report. Furthermore, I expect a written response within 30 days of receiving this complaint, detailing the steps taken to resolve the inaccuracies. 

If my concerns are not addressed within the specified timeframe, I will be left with no option but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to correct these late open accounts and removal of public record in my credit file : XXXX XXXX XXXX Balance Owed : {$2000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 
XXXX XXXX XXXX Balance Owed : {$950.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX  XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 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: NC

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 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 2023-12-19 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-12-19 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: LA

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 explanation
Consumer complaint received 2023-12-19 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 bring to your attention the ongoing difficulties I have encountered in my numerous attempts to rectify fraudulent items on my credit report. Despite repeated efforts to address this issue, the fraudulent entries persist, causing substantial harm to my creditworthiness and financial well-being. 

I have attached copies of my credit reports highlighting the specific fraudulent items, along with supporting documentation that unequivocally proves the illegitimate nature of these entries. 

Despite my diligent efforts, the fraudulent items persist on my credit report, causing unwarranted financial stress and potential harm to my personal and professional life. I am aware of the gravity of identity theft and the urgency required in resolving such matters to protect both consumers and creditors. 

I kindly request that you conduct an immediate and thorough investigation into this matter and promptly remove the fraudulent items from my credit report. Additionally, I expect a detailed written response within 30 days of receiving this complaint, outlining the steps taken to address and rectify the situation. 

Should my concerns remain unaddressed within the specified timeframe, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-19 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 bring to your attention the ongoing difficulties I have encountered in my numerous attempts to rectify fraudulent items on my credit report. Despite repeated efforts to address this issue, the fraudulent entries persist, causing substantial harm to my creditworthiness and financial well-being. 

I have attached copies of my credit reports highlighting the specific fraudulent items, along with supporting documentation that unequivocally proves the illegitimate nature of these entries. 

Despite my diligent efforts, the fraudulent items persist on my credit report, causing unwarranted financial stress and potential harm to my personal and professional life. I am aware of the gravity of identity theft and the urgency required in resolving such matters to protect both consumers and creditors. 

I kindly request that you conduct an immediate and thorough investigation into this matter and promptly remove the fraudulent items from my credit report. Additionally, I expect a detailed written response within 30 days of receiving this complaint, outlining the steps taken to address and rectify the situation. 

Should my concerns remain unaddressed within the specified timeframe, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-19 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a prepaid XXXX with Capital One to try to rebuild my credit. Ive paid every bill on time I have not been late once and Ive paid multiple payments throughout the month each month. I made an online check payment XX/XX/2023 to find out on XX/XX/XXXX that they were holding funds and they would not be available until XXXX XXXX 2023. They credited the balance on the card but did not give me funds available so theyre holding {$190.00} plus {$100.00} deposit. I do not understand why theyre taking my money from me for so long. XXXX, putting people in a financial bind, just refuse acceptance of their payment, so you do not put them in a bind. Im having to do without buying XXXX presents for certain relatives to accommodate this. I have not done anything wrong thats why I dont understand why theyre keeping it for so long. One representative with their company told me they were doing it to make sure that the check cleared. That was a XXXX  answer because with todays technology it surely does not take 2 1/2 weeks to make sure the check cleared. Actually, they clear instantly they run it through and you back your receipt. the bank XXXX XXXX XXXX XXXX said the check cleared that day XXXX XXXX, so thats been cleared. What she told me wasnt true I dont know if she knows how to do her job or not but she had the wrong answer for this. Then I called and talked to a supervisor, and she kinda got frustrated with me on the phone. no profanity or anything but kind of mean. So, theyre holding {$190.00} of my money and {$100.00} deposit and Ive not received anything to tell me they were doing this, they just did it - neither a phone call nor a letter explaining why theyre holding it. At least send a letter or make a phone call to me telling them why youre holding their money from them. I went to the gas pump and got declined and the money was already out of my XXXX XXXX account for the payment so I didnt have extra money to buy gas and then the money is not available on the card either because theyre holding it. Im not sure they dont hold money so they make interest on huge amounts of money overtime. Ive never believe that myth but Im starting to. Just credit my account available balance or give me my money back so I can have XXXX XXXX XXXX XXXX. Mean

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief