vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Birth : XXXX SS # : XXXX RE : XXXX XXXX Bankruptcy Case Number : XXXX Dear Clerk or Authorized person, I recently pulled my credit report from all XXXX major credit bureaus and seen a bankruptcy being reported in my name. I was unaware that you guys report this private information to the bureaus without the consumer consent. I called them and they stated you the clerk/ Authorized person reported it. I would appreciate a letter back stating that you the clerk/ Authorized person do or do not report to the credit bureaus, and what method is used along with the person or department that reported the information and the procedure used to report that that information. 


Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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 hope this email finds you well. I am writing to follow up on my previous attempts to address the fraudulent items on my credit report. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and impacting my financial credibility. It is crucial that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. The following items thare are fraud should be remove right away : XXXX XXXX Balance : {$0.00} ; 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  Balance XXXX {$0.00} ; ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00}.

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 2024-05-02 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate late payment entries appearing on my credit reports from XXXX. This late payment is inaccurately reported and negatively impacting my creditworthiness. 

Upon reviewing my credit reports from each of your bureaus, I discovered this inaccuracy : XXXX XXXX. 

I want to emphasize that this late payment is not reflective of my actual payment history with the respective creditors. This may has been extenuating circumstances or errors that led to this late payment entries, but this is not accurate representations of my financial responsibility. 

I am entitled to accurate and up-to-date information on my credit reports. Therefore, I request that your bureau conduct a thorough investigation into this inaccurate late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I was contacted by a loan officer from Westlake Direct who informed me that Westlake had recently bought out XXXX, the company I pay a subscription fee of XXXX XXXX  monthly for my vehicle. I was informed that I had the option now of buying out my car and to put my XXXX XXXX monthly payments towards a loan through Westlake that would result in me owning my car at the end of the loan agreement. 
I asked the loan officer directly and clearly what was needed on my part. She said that I already prequalified and that she already started drawing up the loan terms. I expressed that I would only want to do this if the loan terms were less than what I was already paying for the subscription through XXXX. She told me that I needed to open up my credit file on XXXX because I had it locked so that she could do a soft pull on my credit which would not reflect on credit report. I agreed to a soft pull. A few days later I received a call where the same loan officer stated that although I have proven that I have been paying {$600.00} dollars a month without a single missed payment she was unable to get me a loan through Westlake. A day or two later I received a notification from XXXX saying that a new inquriy was listed on my report and it was from NOWCOM/Westlake. When I called the representative back from Westlake she stated that it was a softpull initially but her supervisor had to do a hard pull after we got off the phone. When i expressed my anger with not only getting a loan but also now having a inquiry on my credit file which will prevent me from building my credit and in the future qualifying for a loan or credit card, she apologized but stated there was nothing she can do. 
After looking deeper into the inquires section on my report I noticed that when I was car shopping in XX/XX/XXXX I applied for a loan through XXXX, where I was able to see that during that time XXXX allowed several auto loan companies to run my credit. I was told that XXXX was running my credit not the 15 other auto lenders. I felt completely bamboozled so reached out to XXXX to have these removed. They informed me that I had to go through CFPB to have them removed from my report by filing this report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: IN

Complaint narrative:
The account on my consumer report is inaccurately showing it to be a charge off but shows the balance of {$0.00}

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 2024-05-02 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: IN

Complaint narrative:
The account on my consumer report is inaccurately showing it to be a charge off but shows the balance of {$0.00}

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 2024-05-02 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wronXXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: IN

Complaint narrative:
The account on my consumer report is inaccurately showing it to be a charge off but shows the balance of {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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 recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I never agreed or signed to take any services from this company. Nor did I receive any information of the debt against me. I am also no longer responsible for this debt even though it was not validated. I want this removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BMANSOL Intermediate Holdings, Inc.
State: DC

Complaint narrative:
Stretto has sent me multiple claim codes that I am unable to redeem. I tried to redeem them the moment I received them, but unfortunately, my XXXX account was a business account, and I ultimately found that XXXX doesnt support cryptocurrency transactions for business accounts. That tidbit of information was not in any of the initial communications from Stretto. I found out from XXXX, if you can believe that. 

I finally deleted my business XXXX account and created a personal XXXX account that matches my XXXX information, but I am still unable to redeem any of my claims. The reason, according to XXXX support, is that the deposits or claims have stopped temporarily, as there was a data issue at Stretto. 

A data problem? Ive inquired for details, but thats like if your doctor told you that you were XXXX XXXX XXXX XXXX XXXX. What, exactly, is the problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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've lost track of the numerous letters I've sent to your bureau regarding my identity theft status, as my concerns remain unresolved. Once again, I'm disputing the fraudulent information adversely impacting my credit file. 

XXXX XXXX XXXX XXXX. 

Despite filing the required FTC complaint, your bureau persists in reporting this fraudulent account on my credit report. It's important to note that I've already contacted the banks linked to this account, provided necessary documents, and had the account promptly deleted from their records. 

Furthermore, other credit bureaus have already removed this account following the FTC complaint submission. Thus, I'm puzzled about the verification process your bureau employed to continue reporting this fraudulent 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
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy Court XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/1967 SS # : XXXX RE : XXXX XXXX Bankruptcy Case Number : XXXX Dear Clerk or Authorized person, I recently pulled my credit report from all 3 major credit bureaus and seen a bankruptcy being reported in my name. I was unaware that you guys report this private information to the bureaus without the consumer consent. I called them and they stated you the clerk/ Authorized person reported it. I would appreciate a letter back stating that you the clerk/ Authorized person do or do not report to the credit bureaus, and what method is used along with the person or department that reported the information and the procedure used to report that that information. 


Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
I've lost track of the numerous letters I've sent to your bureau regarding my identity theft status, as my concerns remain unresolved. Once again, I'm disputing the fraudulent information adversely impacting my credit file. 

XXXX XXXX XXXX XXXX. 

Despite filing the required FTC complaint, your bureau persists in reporting this fraudulent account on my credit report. It's important to note that I've already contacted the banks linked to this account, provided necessary documents, and had the account promptly deleted from their records. 

Furthermore, other credit bureaus have already removed this account following the FTC complaint submission. Thus, I'm puzzled about the verification process your bureau employed to continue reporting these fraudulent 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
Consumer complaint received 2024-05-02 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief