vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
There was no written consent by me or any disclosure from the creditor to report my payment history to the credit bureaus. I have been trying to resolve this issue for over a year. The account is current and paid off and closed by the creditor. I would like the payment history adjusted accordingly to current. Also multiple credit laws have been brought to their attention that they have broken and yet it hasn't been resolved. I am NOT breaking the law, I have paid everything that needs to be paid. They shared information that they should NOT have. I want my credit profile updated respectfully. I need XXXX of XXXX thru XXXX of XXXX all updated to current and paid in full please. NO LATES should be showing on my credit report. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Also the Cares Act is being violated also FDCPA false misreporting please update account to current and paid as agreed on 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 non-monetary relief
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There was no written consent by me or any disclosure from the creditor to report my payment history to the credit bureaus. I have been trying to resolve this issue for over a year. The account is current and paid off and closed by the creditor. I would like the payment history adjusted accordingly to current. Also multiple credit laws have been brought to their attention that they have broken and yet it hasn't been resolved. I am NOT breaking the law, I have paid everything that needs to be paid. They shared information that they should NOT have. I want my credit profile updated respectfully. I need XXXX of XXXX thru XXXX of XXXX all updated to current and paid in full please. NO LATES should be showing on my credit report. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Also the Cares Act is being violated also FDCPA false misreporting please update account to current and paid as agreed on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have been disputing inaccurate information with Experian, XXXX and XXXX over the past few months. 
I have been told they would not investigate and also that they have verified the information was accurate. 

I am disputing the following inaccurate information : XXXX XXXX  XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXXXXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX  XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX CHILD S XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit XXXX XXXX  XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX  XXXX  XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX. XXXX, XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit Original Creditor XXXX XXXX High Balance Date of Last Activity Closed Date Balance owed Last Payment Past Due Amount Credit Limit

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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 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 a account without my written instructions 15 U.S.C 1681c. ( 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
XXXX and Transunion are reporting an inaccurate account. The account XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX is being reported incorrectly and I have also tried to fix this to the point of no avail. Since it has been well over 35 days since my handwritten dispute letter, I am now reporting this inaccuracy to the CFPB and XXXX with proof of error. Attached is the document showing that the collection account was opened in XX/XX/2020, but is reporting XX/XX/2020 which is incorrect. The date last active is also wrong and inconsistent. It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Please see the attached inaccurate report and the documentation showing the different information you are reporting. Remove 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 non-monetary relief
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been calling and disputing this unauthorized fraudulent incorrect account. 
XXXX XXXX XXXX XX/XX/2022 Total {$660.00} I have stated multiple times I do not have a car. I do not drive. I do not own insurance or had to have insurance for any reason in the past 7 years. This account is fraudulent I did not open it I am not aware of this account. I do not own this account. This is identity theft and fraud. I also called liberty mutual to have this information removed as well. This is hurting my reputation and my livelihood.

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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing this request on my own behalf. I have enjoyed my experience with this company and am writing to simply request a " goodwill '' adjustment to your reporting to the three credit agencies. I have a series of late payments due to experiencing a medical hardship. I say this not to justify my delinquencies but to indicate that, that time was not a reflection of my credit worthiness. Since that time I have been an exceptional customer paying on time every month and have now completed all payments. I would like, if possible, for these payments to be reconsidered and removed from my credit report. 

These are the accounts I am referencing : DEPT OF EDUCATION/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing this request on my own behalf. I have enjoyed my experience with this company and am writing to simply request a " goodwill '' adjustment to your reporting to the three credit agencies. I have a series of late payments due to experiencing a medical hardship. I say this not to justify my delinquencies but to indicate that, that time was not a reflection of my credit worthiness. Since that time I have been an exceptional customer paying on time every month and have now completed all payments. I would like, if possible, for these payments to be reconsidered and removed from my credit report. 

These are the accounts I am referencing : DEPT OF EDUCATIONXXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/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 explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: IN

Complaint narrative:
XX/XX/2023. I woke up with my Chime banking account being hacked for the amount of {$2100.00} XXXX I woke up with a text message stating that my phone number had been changed in my chime account and they had received a verification code to the new number put on the account. Which seems like a flaw in the security measurements being done because it required no verification from me before allowing them to change this number or no double confirmation. Now they have all my important information and all the funds in my account had been transferred over to someone elses credit card through their phone number. I had then called chime immediately and they opened a dispute on the same day XX/XX/XXXX regarding this but were still trying to make it seem like this was my fault. I have XXXX cents remaining in my account for bills, food and basic living. And they said it can take up to five business days just for them to begin investigating this. Im certain their investigation will lead to them not being liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: NE

Complaint narrative:
The company is XXXX XXXX XXXX ( maybe out of XXXX XXXX ). 
I have asked repeatedly for this company to stop contacting me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ->> These adresses do not belong to me. Please delete it from my credit report. 
2. The following name is incorrect. They may belong to someoone else that have similar last name to me. I demand it to be removed. 
XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
DATE ACCOUNT OPENED : BY LETTER XXXX XXXX THE LETTER SAYS DATE ACCOUNT CHARGED-OFF WAS XXXX XXXX CURRENT JUDGMENT PRINCIPAL AMOUNT IS {$1600.00} JUDGEMENT CURRENT BALANCE IS {$1600.00} THE PURPOSE IS FRAUD I DONOT SHOP AT XXXX LOOK AT THE YEAR IT'S XXXX  LOOK HOW FAR AWAY TIME BEEN WHY NOW I BEEN HAVING PROBLEMS WITH MY IDENTITY FOR A LONG TIME FAR AS LOANS, CREDITCARDS ETC..I KNOW NOTHING ABOUT THIS ACCOUNT I RECIEVED A LETTER IS HOW I FOUND OUT ABOUT THIS ACCOUNT SPOKE WITH A REPRESENTIVE NOW I'M PROCEDING THE SITUATION I NEED THIS ACCOUNT RESOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
this account was not opened by me the account was opened and used with a fraudulent bank as well i have a FTC report and a Police report on this matter PLEASE REMOVE THIS ITEM IMIDIATLY

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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
this account was not opened by me the account was opened and used with a fraudulent bank as well i have a FTC report and a Police report on this matter PLEASE REMOVE THIS ITEM IMIDIATLY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
this account was not opened by me the account was opened and used with a fraudulent bank as well i have a FTC report and a Police report on this matter PLEASE REMOVE THIS ITEM IMIDIATLY

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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: IN

Complaint narrative:
IC Systems reported to the Credit bureaus that I opened an XXXX XXXX XXXX  account on XX/XX/2023 and owed {$1300.00}. Then reported that I was delinquent and the account was open, which seriously hurt my credit rating. I do not have an open XXXX XXXX XXXX account. This debt was reported by other collection agencies last year and this was disputed and had to be removed. IC Systems is illegally trying to re-age this account. I am sending a letter to them requesting all account information.

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 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX Balance : {$81.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX XXXX Balance XXXX {$150.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: IL

Complaint narrative:
Credit report agency has falsely used my personal information without my consent and is using it to report to other credit reporting agencies. I notified them to give information on how they received my information and they said from bankruptcy court. I reached out to courts and they have denied to disclose any of my information to credit agencies. I sent the court notice verifying that they did not release any information about me, so the credit agency is falsely using my information to report without my consent and I want this removed from my consumer report effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely, 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