vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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:
Im writing today to voice a concern about an issue which the credit bureau has not complied with. This account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
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 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Issue : XXXX XXXX XXXX XXXX XXXX, on behalf of Citibank, XXXX, engaged in unethical debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Despite multiple requests for validation, the firm initiated legal action and provided incomplete or inconsistent documentation. 

Details : XXXX XXXX XXXX failed to validate the alleged debt despite a timely formal request under FDCPA 15 U.S.C. 1692g. 
The firm initiated a lawsuit in the XXXX of XXXX XXXX of XXXX XXXXXXXX XXXX  before validating the debt. 
Requests for proof of XXXX XXXX XXXX license to collect debts in XXXX were ignored. 
Documentation provided by the firm included inconsistencies, such as improperly dated or unsigned materials and references to unrelated individuals. 
XXXX XXXX : I request the CFPB investigate XXXX & XXXX practices and ensure compliance with federal debt collection laws to prevent further consumer harm.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XXXX morning my Experian Credit report alert went off for a supposedly XXXX dollar balance that was supposedly XXXX days late. I had already paid this even though my account was paid in full on XX/XX/year>. I dont use this XXXX XXXX very often. But, I paid the XXXX dollars prior to the XXXX days bc I dont trust XXXX The XXXX I spoke to told me that she submitted some type of urgent update to totally remove the negative false information. She said in XXXX hours it should be clear. As of today it still isnt corrected. I called witch XXXX at XXXX today and she basically called the other XXXX a liar and told me to contact the credit bureaus. She was XXXX help and honestly didnt care that this is going to ruin me. I contacted Experian and things went from bad to worse. The guy was a complete jerk and told me he couldnt do anything. This is the only negative thing on my credit and it dropped my credit score from over XXXX to XXXX. I farm and Ive got XXXX term loans up for renewal in a week. My personal and business are mixed. This is going to ruin me business wise. I dont know if the bank will even renew them and this is land notes. PLEASE, help me get this removed ASAP! I filed disputes with the credit bureaus but honestly this has been a joke.

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 2024-12-31 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I contacted USAA to obtain a homeowners quote in the second quarter of XXXX  XXXX executed the policy without consent, pulled money from my escrow account creating a deficit. When XXXX XXXX  XXXX XXXX XXXX attempted to bill escrow there wasn't enough funding to cover the payment. My mortgage payment increased {$400.00}. 

USAA also elected to take my refund from homeowners insurance and apply the premiums to my auto insurance coverage without my consent. 

A homeowners/windstorm policy was issued with a {$10000.00} deductible in lieu of {$2500.00} I was excessively overcharged for insurance coverage up to XXXX % over the state average cost on every policy issued by USAA I XXXX told that the funds applied to my auto coverage was an " annual dividend payment ''. Those were the refund premiums taken from my auto coverage. 

I contacted USAA to find out who gave them authorization to execute a homeowners policy and they provided no information. I have spent hours on the phone with USAA trying to get my policy limits squared away. I contacted XXXX XXXX, asked for a current replacement cost in XX/XX/2024. The cost to replace my home is less than $ XXXX but USAA insisted they had to provide $ XXXX $ XXXX for replacement costs and overcharged for coverage. I've spent nearly XXXX hours on the phone with USAA trying to remedy the problem. Today I elected to call a local insurance agent and have a policy issued with the correct limits of coverage and a reasonable premium.

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 2024-12-31 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX AUTO # XXXX Account Name : CREDIT COLL # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX NA XX/XX/year>

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 2024-12-31 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 recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2024-12-31 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: RI

Complaint narrative:
Dear Reporting Agency, I am writing to formally demand the immediate removal of inaccurate and unauthorized personal information from my credit report. Specifically, the following information is incorrect and does not belong to me. 
Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone Number : ( XXXX ) XXXX Social Security Number : XXXX The inclusion of the aforementioned erroneous information in my credit report is a serious violation of my privacy rights. This unauthorized disclosure of my personal information could potentially lead to identity theft, fraud, and other harmful consequences.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2024-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB Corporation
State: FL

Complaint narrative:
XXXX XXXX debt was added to my credit report. It was sold to a debt collector called USCB Corporation. The amount is {$950.00}. It states it was opened XX/XX/year> with the debt collector. I contacted XXXX XXXX and they were un able to do anything. I advised them of all my personal info and was advised to dispute this info with the debt collector USCB Corporation.

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 2024-12-31 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-12-31 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
as a low income family much of the by paying bills my bank account go low then expected, every time my bank account is low TD bank charge me {$15.00}. This is completely unacceptable and unfair treatment. This should never happen. Im requesting an investigation on TD bank unlawful conduct/fee

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-31 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: NC

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX {$25000.00} Credit collection XXXX XXXX {$350.00} Credit collection serv XXXX {$79.00} XXXX XXXX {$0.00} XXXX bank DXXXXe {$0.00} XXXX XXXX XXXX {$0.00} XXXX card XXXX {$210.00} XXXX card XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXXrt XXXX {$0.00} XXXX XXXX {$0.00} XXXX Financial XXXX XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX co XXXX XXXX XXXX XXXX co XXXX XXXX XXXX accounts XXXX XXXX XXXX and hard XXXX XXXX XXXX XXXX of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I noticed a {$730.00} bad debt on my credit report. I disputed the debt with Wayfair and provided the information they requisted and the letter fron the Social Security XXXX that someone was using my SSAN. 

Wayfair contacted me and stated they were writting off the debt and it dissappeared from my credit reeport. 

Now 2 years later, I noticed XXXX XXXX XXXX XXXX. placed a dept collection notice for Wayfair for {$730.00} on my credit report. They have not contacted me in any way to state they are collecting the debt. I contacted XXXX and requested proof of the debt. When I was talking to them they requested all my personnal information. The line was a open line and could hear several people taking in the background. I refused to state my information they said they already had on a open non-secure line. 

XXXX contacted my wife and demaned she give them my contact information. She gave them my phone number and repeated the request for proof of the debt. XXXX months later I have not received anything or a phone call from from XXXX or Wayfair. 

These people are fradulenty affecting my credit and refuse to prove the debt is mine or contact me in any way.

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 2024-12-31 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: DE

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX5 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX BANK NA # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX COLLECTION XXXX # XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/year> AUTOMOTIVE CREDIT XXXX XX/XX/year> XXXX XXXX XXXX OF XX/XX/year> XXXX XXXX XX/XX/year> XXXX ACCEPTANCE XX/XX/year> XXXX XXXXT XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-31 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: IL

Complaint narrative:
THIS AN UPDATE TO THE DISPUTE THATS CURRENT IN PROCESS. PLEASE ATTACH THIS TO DISPUTE IF POSSIBLE OR CONTINUE TO PROCESS XXXX DISPUTE. 
THE ABOVE INFORMATION MY NAME, ADDRESS, EMAIL, PHONE, AND RETIREMENT IS ONLY TRUE IDENTITY. My information was in a data breach. ATTACHED IS A COPY OF MY ID AS PROOF PLUS IDENTITY THEFT REPORT. BELOW ARE CLAIMS OF FRAUD, INACCURATE, and UNAUTHORIZED INFORMATION PLEASE REMOVE DELETE ANY OTHER PROFILE INFORMATION FROM CREDIT REPORT. This is an extention of my XXXX report. 

INQUIRIES ( XXXX ) CLAIMS OF FRAUD. DID NOT AUTHORIZE. PLEASE REMOVE DELETE FROM CREDIT REPORT : I HAVE CONTACTED THEM TO LET THEM KNOW I HAVE NOT HAD AN ACCOUNT WITH THEM, AND NO REMEDY. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GLOBAL LENDING XXXX XXXX XXXX XXXX CONSUMER XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP XXXX VIA DEALER XXXX XXXX XXXX CAP XXXX VIA DEALER XXXX XXXX XXXX REMEDY PLEASE REMOVE DELETE FROM MY CREDIT REPORT. 

STUDENT LOAN UPDATE MISSING PAYMENT FROM NEVER LATE TO CURRENT FOR EACH DATE FROM XXXX EACH MONTH TILL XX/XX/XXXX. 

XXXX ; XXXX XXXX OF XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX TRANSUNION ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TO CURRENT XXXX WAS NEVER LATE ON ALL DATES. REQUESTING AN UPDATE TO SHOW CURRENT FOR ALL MONTHS FROM XXXX TO XX/XX/XXXX. ALSO, THERE ARE XXXX LOANS WITH THE SAME ACCOUNT NUMBER WHICH IS FRAUD. I XXXX HAVE XXXX LOAN. I SENT PROOF ATTACHED TO THIS LETTER. PLEASE UPDATE MY CORRECT PAYMENT AMOUNTS WITH XXXX BALANCE This information is true to the best of my knowledge.

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 2024-12-31 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THIS AN UPDATE TO THE DISPUTE THATS CURRENT IN PROCESS. PLEASE ATTACH THIS TO DISPUTE IF POSSIBLE OR CONTINUE TO PROCESS XXXX DISPUTE. 
THE ABOVE INFORMATION MY NAME, ADDRESS, EMAIL, PHONE, AND RETIREMENT IS ONLY TRUE IDENTITY. My information was in a data breach. ATTACHED IS A COPY OF MY ID AS PROOF PLUS IDENTITY THEFT REPORT. BELOW ARE CLAIMS OF FRAUD, INACCURATE, and UNAUTHORIZED INFORMATION PLEASE REMOVE DELETE ANY OTHER PROFILE INFORMATION FROM CREDIT REPORT. This is an extention of my XXXX report. 

INQUIRIES ( XXXX ) CLAIMS OF FRAUD. DID NOT AUTHORIZE. PLEASE REMOVE DELETE FROM CREDIT REPORT : I HAVE CONTACTED THEM TO LET THEM KNOW I HAVE NOT HAD AN ACCOUNT WITH THEM, AND NO REMEDY. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VIA DEALER XXXX XXXX XXXX REMEDY PLEASE REMOVE DELETE FROM MY CREDIT REPORT. 

STUDENT LOAN UPDATE MISSING PAYMENT FROM NEVER LATE TO CURRENT FOR EACH DATE FROM XXXX EACH MONTH TILL XX/XX/XXXX. 

EXPERIAN ; XXXX XXXX OF XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TO CURRENT XXXX WAS NEVER LATE ON ALL DATES. REQUESTING AN UPDATE TO SHOW CURRENT FOR ALL MONTHS FROM XXXX TO XX/XX/XXXX. ALSO, THERE ARE XXXX LOANS WITH THE SAME ACCOUNT NUMBER WHICH IS FRAUD. I ONE HAVE ONE LOAN. I SENT PROOF ATTACHED TO THIS LETTER. PLEASE UPDATE MY CORRECT PAYMENT AMOUNTS WITH XXXX BALANCE This information is true to the best of my knowledge.

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 2024-12-31 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief