vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
So i had called XXXX Equifax XXXX multiple times from XXXX untill now 1. you have the wrong address on my credit report i never lived there.at XXXX XXXX 2. they told me this would be off my report with the XXXX XXXX  i paid them 3. you guys have alot of things wrong like XXXX  we were doing a pay out with XXXX we called XXXX with XXXX on the phone they were requesting the transfer pins to switch our numbers over. Then XXXX gave our numbers away to people we dont know not the transfer pin. to XXXX XXXX like they should so there fore XXXX couldn't buy them out because they didnt get the transfer pin for the numbers and to pay XXXX we would of just paid the remainder were still with XXXX i have too phones that i had bought from XXXX however we went to the corporate store XXXX said they should take some responsibly they gave there numbers to conatct they didnt agree with coorprate so i called u guys now im filing a complaint i don't think we should have to pay over XXXX to XXXX doallers because we could be getting charge for other people that have our numbers. plus we could of bought it if XXXX had been reasonable. 
4.XXXX XXXX XXXX of XXXX XXXXi was in the hosptial i had paid all my perosnal line credit off i ask for them to clsoe my accoutn they never did i been using it ever since trying to pay them off. im trying to see if there a settlement i work with pay lesser amount. 
5. last but least if someone can work with me that be great i been trying to buy a house and car i need my information updated and my credit score up. im single mom i can only affrod so much im trying really hard to manage these things work with you guys and all i ask is to please take in consideration my situiti\oun please help if u can.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
So i had called XXXX XXXX Experian multiple times from XXXX untill now 1. you have the wrong address on my credit report i never lived there.at XXXX XXXX 2. they told me this would be off my report with the XXXX XXXX i paid them 3. you guys have alot of things wrong like XXXX  we were doing a pay out with XXXX we called XXXX with XXXX on the phone they were requesting the transfer pins to switch our numbers over. Then XXXX gave our numbers away to people we dont know not the transfer pin. to XXXX XXXX like they should so there fore XXXX couldn't buy them out because they didnt get the transfer pin for the numbers and to pay XXXX we would of just paid the remainder were still with XXXX i have too phones that i had bought from XXXX however we went to the corporate store XXXX said they should take some responsibly they gave there numbers to conatct they didnt agree with coorprate so i called u guys now im filing a complaint i don't think we should have to pay over XXXX to XXXX doallers because we could be getting charge for other people that have our numbers. plus we could of bought it if XXXX had been reasonable. 
4XXXX a division of XXXX .i was in the hosptial i had paid all my perosnal line credit off i ask for them to clsoe my accoutn they never did i been using it ever since trying to pay them off. im trying to see if there a settlement i work with pay lesser amount. 
5. last but least if someone can work with me that be great i been trying to buy a house and car i need my information updated and my credit score up. im single mom i can only affrod so much im trying really hard to manage these things work with you guys and all i ask is to please take in consideration my situiti\oun please help if u can.

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 2025-01-29 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: Idaho Housing And Finance Association
State: MI

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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've contacted XXXX over 60 times within the last 3 months relating to creditors being unable to access my Credit score. XXXX has yet to fix the problem, creditors are still unable to access my credit score. I also have requested over 10 times for them to mail me my updated XXXX XXXX XXXX XXXX its been over 90 days without any resolution to my problem, which is holding me up from moving foward in my life!! I was in the process of purchasing a home & now that particular home is no longer available because of this ongoing issue with XXXX. Just 90 days ago I had a beacon/credit score & all of a sudden no one has been able to access my information. This issue is causing extreme hardship along with them reporting inaccurate information on my credit file.

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 2025-01-29 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: GA

Complaint narrative:
I've contacted XXXX over 60 times within the last 3 months relating to creditors being unable to access my Credit score. XXXX has yet to fix the problem, creditors are still unable to access my credit score. I also have requested over 10 times for them to mail me my updated Credit Score/Beacon score & its been over 90 days without any resolution to my problem, which is holding me up from moving foward in my life!! I was in the process of purchasing a home & now that particular home is no longer available because of this ongoing issue with XXXX. Just 90 days ago I had a beacon/credit score & all of a sudden no one has been able to access my information. This issue is causing extreme hardship along with them reporting inaccurate information on my credit file.

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 2025-01-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP
State: OH

Complaint narrative:
To start off, I have been a keybank customer for over 25 years ( before it was even KeyBank, it was XXXX ). 

A few year ago, I opened a HELOC to help with some debt consolidation. 
Almost from the very beginning, there were issues with my payment not be received ( even though it was an auto debit ) .to payments being late ( both of these issues were not my fault, it fact KEY admitted that ). 

I was having some financially troubles, I spoke with XXXX XXXX ( in XX/XX/year> ). 
I explained my issue and asked if I could break up my payment to two payment a month, I was told no, coming up with {$900.00} at one time, with all other bills are due is very difficult. I was told No. I then asked if I could move my payment date. I was also told No. 

I made a payment in XXXX, and then at the beginning of XXXX ( XXXX ) to make my full payment. I understand that my payment was late, but as you can see I was making effort. Instead of trying to work with me, KEY bank dinged my credit and my credit score decreased by over XXXX points. As of XXXX, XXXX, they have put on the credit report that isn't is current. Again I have contacted them and they aren't willing to work with me. 

Resolution : Keybank needs to update my credit report ( with all 3 credit monitoring companies ) and fix my credit score so it goes back up.

Key needs to work with me so I can change my payment date to make things easier. 

I am unhappy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm writing to request immediate action regarding the persistent inaccuracies on my credit report. These errors are negatively impacting my credit score and hindering my financial opportunities.

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 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
Some one sent me money on Zelle and it went thru later on its going to say I owe XXXX how do I owe XXXX when the money went through then since I was at negative with my bank my account got close because Zelle mess up and going to say the money I got sent was in negative

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-01-29 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-29 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: GA

Complaint narrative:
Hi, Im writing about an account on my credit report that I think is inaccurate and hasnt been properly verified. After looking over my credit reports from the other bureaus, I noticed that this account doesnt seem to match up.

Under the Fair Credit Reporting Act ( FCRA ), youre supposed to make sure the information you report is correct and do a full investigation when someone disputes an account. Based on what Ive found, I dont believe this account has been verified correctly.

Here are the accounts Im disputing : XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX XXXX XXXX account number XXXX I also know about the recent lawsuit between the CFPB and Experian XXXX where Experian got called out for not handling disputes properly. Id like to avoid having to escalate things, so Im giving you the chance to take another look and make this right.

Heres what I need from you : 1. A clear Method of Verification ( MOV ) that explains : Who you contacted to verify this account ( their name and contact info ). 

Exactly what steps you took to investigate my dispute. 

Copies of any documents you used to verify the account.

2. If you cant properly verify this account, I want it deleted from my credit file.

Just so were clear, under the law, I have the right to know exactly how you investigated this and verified the account. If you cant give me that information, Ill have no choice but to take this to my states Attorney General, or other authorities. 

I expect to hear back from you within 15 days. If you cant verify this account, please remove it. If you need to contact me, use the address above. 

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 explanation
Consumer complaint received 2025-01-29 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: ID

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX On XX/XX/XXXX I requested an investigation into this account. You did not fix the errors. Then on XX/XX/XXXX I requested a re-investigation into this account, and it is still incomplete and inaccurate. On XX/XX/XXXX I pointed out that this account shows that it has been charged off every month for an entire year. An account can only be charged off one time. You still have not fixed that!

I have also seen that this account doesn't show any balances or past due history. How can you show that I am late when you don't even show a balance history or past due amount? You are not showing the years of positive good payment history on this account, you are only showing negative history and you are inaccurately showing that. The FCRA statutes require that you show complete information and all bureaus must have the same data or it is deemed inaccurate and that is grounds for removal. Please either complete the payment history on this account or delete this account 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 non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.

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 2025-01-29 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: MN

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-01-29 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Mercury Technologies, Inc.
State: AZ

Complaint narrative:
I attempted to open a business checking and savings account with XXXX in XX/XX/year>. They asked for additional information regarding CPA designation, which I do not have and is not required by the IRS to prepare tax returns. 

After providing information and documentation that showed an approved EFIN from the IRS, XXXX still denied the request to open a new account. After asking for an appeal and an explanation, XXXX refused to provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
On Wed, XXXXXXXX XXXX, I received my credit report from experian and I wanted to update the file but couldnt get pass their protected bots and was continually hung up on not being able to update my records! My thing is what is the point of having companies report Fake News for the corporations to pump fake like their using a credit score to BORROW our credit that we the people extend. 2nd Most of the companies that they have reporting on my account are Banks and they are the Borrower per 12 USC 1431.

The whole system is Fraud and Deprivation of Rights Under color Law is the Conspiracy of Fraud that I am alleging.

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 2025-01-29 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: KS

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts and inquiries listed below have violated my federally protected rights to privacy and confidentiality under 15 U.S.C. 1681. Section 602 ( a ) affirms my right to privacy, while Section 604 ( a ) ( 2 ) explicitly prohibits consumer reporting agencies from furnishing account information without my written instructions. Additionally, Section 1681c ( a ) ( 5 ) states that no consumer reporting agency may include adverse information, other than criminal convictions, that predates the report by more than seven years. Furthermore, Section 1681s-2 ( a ) ( 1 ) prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. I request a thorough review of the accounts listed below and demand that any unverifiable or inaccurate information be removed promptly to ensure compliance with federal law.

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