vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-15 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 hope this letter reaches you well. I am writing to express my deep concern and frustration regarding the persistent issues I have encountered in attempting to correct late open accounts associated with my financial profile. 

Over the past several months, I have made numerous attempts to address and rectify the late open accounts on my credit report. Despite my diligent efforts, the issue persists, impacting my XXXX XXXX and causing considerable distress. 

I initially became aware of the late open accounts, and since then, I have taken the following steps to resolve the matter : Despite my persistent efforts, the late open accounts have not been corrected, and the associated negative impact on my credit report continues to affect my financial standing. 

I understand that errors can occur, and I appreciate your commitment to resolving customer concerns. However, the prolonged nature of this issue has prompted me to escalate the matter formally. I kindly request a thorough investigation into the root cause of the problem and the implementation of corrective measures to rectify the late open accounts promptly. 

If there are specific documents or information required from my end to facilitate the resolution process, please let me know at your earliest convenience. I believe in fair and transparent financial practices, and I trust that Credit Bureaus will take the necessary steps to address and resolve this situation in a timely manner. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX XXXXXXXX Balance : {$36000.00}.

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 2024-01-15 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 hope this letter reaches you well. I am writing to express my deep concern and frustration regarding the persistent issues I have encountered in attempting to correct late open accounts associated with my financial profile. 

Over the past several months, I have made numerous attempts to address and rectify the late open accounts on my credit report. Despite my diligent efforts, the issue persists, impacting my credit score and causing considerable distress. 

I initially became aware of the late open accounts, and since then, I have taken the following steps to resolve the matter : Despite my persistent efforts, the late open accounts have not been corrected, and the associated negative impact on my credit report continues to affect my financial standing. 

I understand that errors can occur, and I appreciate your commitment to resolving customer concerns. However, the prolonged nature of this issue has prompted me to escalate the matter formally. I kindly request a thorough investigation into the root cause of the problem and the implementation of corrective measures to rectify the late open accounts promptly. 

If there are specific documents or information required from my end to facilitate the resolution process, please let me know at your earliest convenience. I believe in fair and transparent financial practices, and I trust that Credit Bureaus will take the necessary steps to address and resolve this situation in a timely manner. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX 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 2024-01-15 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 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2024-01-15 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: MA

Complaint narrative:
I am writing to file a formal complaint against XXXX, Equifax and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 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: GA

Complaint narrative:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records. Please block/remove these 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 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 2024-01-15 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: MA

Complaint narrative:
I am writing to file a formal complaint against TransUnion, XXXX and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.

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 2024-01-15 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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2024-01-15 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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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:
I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. 
XXXX XXXX XXXX XXXX XXXXXX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Collection Bureau, Inc.
State: IL

Complaint narrative:
Description of the specific details of the violations, including any inaccuracies or actions that are inconsistent with the mentioned statutes and regulations that has caused damage and defamation to my character. 

Credit bureaus such as XXXX XXXX, XXXX, and XXXX have potentially deviated from Consumer Reporting Agency ( CRA ) standards by failing to adhere to accurate and fair reporting practices, violating consumer rights, or neglecting the obligations outlined in relevant statues such as the Fair Credit Reporting Act ( FCRA ), instances of consistently inaccurate reporting, failure to address disputes, or non-compliance with legal requirements that might prompt concerns about their alignment with the standards expected of a Consumer Reporting Agency. 

The reported inaccuracies in my credit report include outdated and irrelevant personal information, such as multiple names, addresses, and phone numbers that are no longer current or relevant means of communication. Additionally, there are outdated employment details that inaccurately portray job instability, debt transactions including late payment, potentially compromising the confidentiality and privacy of my information. 

These discrepancies are inconsistent with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations governing accurate and fair credit reporting practices. Proper utilization of credit reporting standards should ensure the inclusion of only relevant and current information. 

I request a thorough investigation into these inaccuracies and prompt correction in accordance with the FCRA. Your attention to these matters is crucial to maintaining the integrity and fairness of credit reporting. 

I demand an immediate cease and desist of unauthorized credit reporting activities concerning my account. The reported information is in violation of the Fair Credit Reporting Act ( FCRA ), including its guidelines for accurate, timely, and fair reporting. This includes the No Parking Rule, associated with the fair Credit Reporting Practices Rule I insist on a fair and thorough investigation into these violations, followed by the removal of any unauthorized and inaccurate information from my credit report. 

I request a fair and thorough investigation into these matters and a written response addressing the following :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: IL

Complaint narrative:
The reported inaccuracies on my credit report include outdated and irrelevant personal information, such as multiple names, addresses, and phone numbers, inquiries, debt transactions, and potential negative accounts. 

Additionally, there are outdated employment details that inaccurately portray job instability, potentially compromising the confidentiality and privacy of my information based on unauthorized consent. 

These discrepancies are inconsistent with the Fair Credit Reporting Act ( FCRA ) and other relevant regulation governing accurate, timely, and fair credit reporting practices. Proper utilization of credit reporting standards should ensure the inclusion of only relevant and current information. 

Credit Bureau could potentially deviate from Consumer Reporting Agency ( CPA ) standards by failing to adhere to accurate and fair and fair reporting practices, violating consumers rights, or neglecting the obligations outlined in relevant statues such as the Fair Credit Reporting Act ( FCRA ), instances of consistently inaccurate reporting, failure to address disputes, or non-compliance with legal requirements prompt concerns about their alignment with the standards expected of a Consumer Reporting Agency, when acting as a Credit bureau business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: IL

Complaint narrative:
The reported inaccuracies on my credit report include outdated and irrelevant personal information, such as multiple names, addresses, and phone numbers, inquiries, debt transactions, and potential negative accounts. 

Additionally, there are outdated employment details that inaccurately portray job instability, potentially compromising the confidentiality and privacy of my information based on unauthorized consent. 

These discrepancies are inconsistent with the Fair Credit Reporting Act ( FCRA ) and other relevant regulation governing accurate, timely, and fair credit reporting practices. Proper utilization of credit reporting standards should ensure the inclusion of only relevant and current information. 

Credit Bureau could potentially deviate from Consumer Reporting Agency ( CPA ) standards by failing to adhere to accurate and fair and fair reporting practices, violating consumers rights, or neglecting the obligations outlined in relevant statues such as the Fair Credit Reporting Act ( FCRA ), instances of consistently inaccurate reporting, failure to address disputes, or non-compliance with legal requirements prompt concerns about their alignment with the standards expected of a Consumer Reporting Agency, when acting as a Credit bureau business.

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 2024-01-15 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: Selene Holdings LLC
State: GA

Complaint narrative:
I am requesting to you as a valued customer and a responsible borrower, seeking your understanding and assistance regarding a late payment that occurred on XXXX on my account with XXXX. 
XXXX XXXX XXXX XXXXXXXX Balance : {$130000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Hello let me start by saying this I have been building my credit with the credit cards I do have on file but these inquiries on my XXXX report are not a credit account I have applied for here are the dates and times of those inquiries that is on my report. 
XXXX XX/XX/XXXXXXXX  I have had not contacted this company Capital one XX/XX/XXXXXXXX  Contacted this company XX/XX/XXXXXXXX  Was told to dispute with the credit bureau XXXX XX/XX/XXXXXXXX  Have not contacted this company XXXX XXXX XXXX XX/XX/XXXX Have not contacted this company XXXX XXXX  XXXX XX/XX/XXXX XXXX have a loan with a different finance company through XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Have not contacted this company Capital one XX/XX/XXXX Contacted this company on XX/XX/XXXX Was told to dispute with credit bureau Capital one XX/XX/XXXX Contacted this company on XX/XX/XXXX Was told to dispute with credit bureau XXXX XXXX XXXX XX/XX/XXXXXXXX  Have a loan with a different finance company through XXXX XXXX since XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 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: FL

Complaint narrative:
I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: FL

Complaint narrative:
I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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