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: GA

Complaint narrative:
I am writing to express my deep frustration and concern regarding the unresolved issues on my credit report. Despite my many attempts to rectify these matters, the inaccuracies persist. As a responsible consumer, it is imperative that my credit report accurately reflects my financial history. The continued presence of these errors is unacceptable and undermines my trust in your organizations ability to maintain accurate records. 

I am urgently requesting a thorough investigation into the late open account and the public record on my credit report. I expect immediate action to correct these errors and remove the inaccurate entries. Additionally, I seek transparency regarding the steps taken during the investigation process and a detailed explanation for the repeated failures to resolve these issues. With this, I am asking for your assistance to correct the late open accounts and remove the public XXXX. XXXX  XXXX XXXX Balance Owed : {$1000.00} Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 
XXXX. XXXX  XXXX XXXX Balance Owed : {$2100.00} Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 
XXXX. XXXX  XXXX Bankruptcy Reference # : XXXX The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to you once again to follow up regarding the unresolved issue of fraudulent items on my credit file. Despite my repeated attempts, these fraudulent entries persist, tarnishing my creditworthiness and causing significant distress. 

It is disheartening to see that these fraudulent items continue to negatively impact my credit file, despite my persistent efforts to have them removed. As a responsible consumer, I am committed to maintaining an accurate credit profile, and the presence of these fraudulent entries undermines that goal. 

I am reaching out once again to request urgent action to address this matter. I kindly request a thorough investigation into the fraudulent items on my credit file and immediate action to have them removed. With this, I am asking for your assistance to remove the fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA 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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I appreciate your time to REMOVE some of the items in my file that I encountered because of incorrect credit report information and this is another request to remove the items from my credit file resulting from an inaccurate credit report data. Ive already included this issue in my previous letter and FTC report & I am including it again. Also, the information you provided on these items are unrecognizable for me and was REMOVED from other bureaus and I have doubts about their accuracy : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} -- -- -- -- -- -Equifax XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance XXXX {$3200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX THE XXXX XXXX ) XXXX Balance XXXX {$400.00}. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from a mistaken credit reporting. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days. This letter is to notify you if you do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable in the event of your willful noncompliance. Thank you for your time and prompt attention to this serious issue.

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 appreciate your time to REMOVE some of the items in my file that I encountered because of incorrect credit report information and this is another request to remove the items from my credit file resulting from an inaccurate credit report data. Ive already included this issue in my previous letter and FTC report & I am including it again. Also, the information you provided on these items are unrecognizable for me and was REMOVED from other bureaus and I have doubts about their accuracy : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$400.00} -- -- -- -- -- -Equifax XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance XXXX {$3200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX THE XXXX XXXX ) XXXX XXXX XXXX {$400.00}. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from a mistaken credit reporting. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days. This letter is to notify you if you do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable in the event of your willful noncompliance. Thank you for your time and prompt attention to this serious issue.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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 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 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: MO

Complaint narrative:
I am writing to you once again to follow up regarding the unresolved issue of late closed and charge-off accounts on my credit report. Despite my repeated attempts to rectify this matter, these negative entries persist, impacting my creditworthiness and financial standing. Despite my persistent efforts, these negative entries continue to tarnish my credit report, hindering my ability to access credit and financial opportunities. As a responsible consumer, I am committed to maintaining an accurate credit profile, and the presence of these derogatory accounts undermines that goal. 

I am reaching out once again to request urgent action to address this matter. I kindly request a thorough investigation into the late closed and charge-off accounts on my credit report and immediate action to have them removed. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the repeated failure to address this issue. With this, I am asking for your assistance to remove the acconts : XXXX. XXXX XXXX XXXX Balance : {$0.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
XXXX. XXXX XXXX Balance : {$810.00} This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 
XXXX. XXXX XXXX XXXX Balance : {$0.00} The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : RENEWAL BY A XX/XX/XXXXXXXX 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 — Personal information incorrect
Company: Experian Information Solutions 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 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : RENEWAL BY A XX/XX/XXXXXXXX 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 2024-05-16 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: MD

Complaint narrative:
pull credit reports discovered a low score and large amount of inquiries and accounts that dont belong to me

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to you once again to follow up regarding the unresolved issue of fraudulent items on my credit file. Despite my repeated attempts, these fraudulent entries persist, tarnishing my creditworthiness and causing significant distress. 

It is disheartening to see that these fraudulent items continue to negatively impact my credit file, despite my persistent efforts to have them removed. As a responsible consumer, I am committed to maintaining an accurate credit profile, and the presence of these fraudulent entries undermines that goal. 

I am reaching out once again to request urgent action to address this matter. I kindly request a thorough investigation into the fraudulent items on my credit file and immediate action to have them removed. 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

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The inquiry was conducted without my authorization by the creditor.

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: 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 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IL

Complaint narrative:
We r call this company not fully cooperation Hang up my phone And still fraudulent activity seen my several account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All transactions is fully name by cash app I need to fully investigate this company and stop in the market plus I request consumer fraud strictly notice this company me and my husband have a proof we r not authorized nor open this cash app account they used our names is take my money transfer

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: 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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: VW Credit
State: IL

Complaint narrative:
Volkswagen XXXX XXXX  XXXX I buy used car. 
Volkswagen XXXX XXXX XXXX is fraud to me sale this car over priced Plus this car use to lease mileage plus accident front and side. This car fix owner and Volkswagen run car XXXX XXXX XXXXt is not fully run and I buy this car XX/XX/year> and car accident. Generated XX/XX/year> still not reported buy Volkswagen This is completely fraud to me XXXX car XXXX XXXX and I pay loan XXXX I need to fix my problem or decreased my price as fair price because this car they sale as a accident car I need to fully cooperation I f not this case send to customer fraud against Volkswagen Iam trying first to resolve my matter seriously Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNY IS ON MY CREDIT REPORT REPORTING COLLECTIONS I HAVE NO KNOWLEDGE OF THIS CREDITOR OR DEBT COLECTOR I HAVE REACGED OF FOR VALIDATION OF DEBT XXXX HAVE NOT HEARD FROM THEM IT HAS XXXX XXXX. 
THE NEGATIVE REMARK IS CAUSING XXXX GREAT HARDSGIP AND I AM EAGER TO HAVE THIS TAKEN CARE ASAP

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: NV

Complaint narrative:
1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

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