vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 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: FL

Complaint narrative:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed XXXX {$12000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX Balance Owed : {$5600.00} ; XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXXXXXX XXXX XXXX : {$2700.00} ; XXXX XXXX Balance Owed XXXX {$380.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00} ; XXXXXXXX XXXX XXXX  XX/XX/2021 ; XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ;

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! Inaccurate Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! Inaccurate Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: VA

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 non-monetary relief
Consumer complaint received 2023-10-19 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: VA

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 explanation
Consumer complaint received 2023-10-19 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: NY

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX 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 2023-10-19 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: FL

Complaint narrative:
TransUnion violated the FCRA numerous times. 
1. They failed to investigate my disputes despite me sending them proof of inaccuracies in my report.

2. They failed to provide a notice of dispute during my dispute period another FCRA violation.

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 2023-10-19 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: MD

Complaint narrative:
I am writing to express my deep concern and frustration regarding the numerous unsuccessful attempts I have made to rectify the inaccuracies in my credit report, specifically in relation to a late open account. Despite my continuous efforts to correct this issue, my credit report remains inaccurate and negatively impacts my financial well-being. 

The specific issue I have been trying to address is as follows : There is a late open account listed on my credit report that inaccurately reflects my credit history. This error is severely affecting my credit score and causing financial difficulties.

I have made several attempts to dispute this inaccuracy by following the procedures outlined in the Fair Credit Reporting Act ( FCRA ). Each time, I have provided clear explanations and submitted supporting evidence to substantiate my claim. 

Unfortunately, my efforts have not yielded the desired results, and I continue to encounter the following issues : My previous dispute letters and supporting documents have not received a timely response, leaving me in the dark about the status of my dispute. 

The delay in addressing this inaccuracy has caused financial hardships and has adversely affected my ability to access credit and financial opportunities.

The presence of this inaccuracy continues to harm my credit score, making it challenging to secure fair lending terms and credit opportunities.

I understand the critical importance of accurate credit reporting for both consumers and creditors and am fully committed to working with your credit bureau to ensure the correctness of my credit profile. However, the lack of responsiveness and efficiency in addressing my concerns has left me feeling frustrated and powerless. 

I kindly request that you conduct a thorough investigation into this specific inaccuracy, rectify it promptly, and provide me with timely updates on the status of my dispute, as mandated by the FCRA. 
Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts, providing evidence of my earnest attempts to rectify this inaccuracy. I am asking for your assistance to correct the said late open account in 3 credit bureaus : XXXX XXXX XXXX Balance Owed : {$700.00}.

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 2023-10-19 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: MD

Complaint narrative:
I am writing to express my deep concern and frustration regarding the numerous unsuccessful attempts I have made to rectify the inaccuracies in my credit report, specifically in relation to a late open account. Despite my continuous efforts to correct this issue, my credit report remains inaccurate and negatively impacts my financial well-being. 

The specific issue I have been trying to address is as follows : There is a late open account listed on my credit report that inaccurately reflects my credit history. This error is severely affecting my credit score and causing financial difficulties. 
I have made several attempts to dispute this inaccuracy by following the procedures outlined in the Fair Credit Reporting Act ( FCRA ). Each time, I have provided clear explanations and submitted supporting evidence to substantiate my claim. 

Unfortunately, my efforts have not yielded the desired results, and I continue to encounter the following issues : My previous dispute letters and supporting documents have not received a timely response, leaving me in the dark about the status of my dispute. 

The delay in addressing this inaccuracy has caused financial hardships and has adversely affected my ability to access credit and financial opportunities. 

The presence of this inaccuracy continues to harm my credit score, making it challenging to secure fair lending terms and credit opportunities. 

I understand the critical importance of accurate credit reporting for both consumers and creditors and am fully committed to working with your credit bureau to ensure the correctness of my credit profile. However, the lack of responsiveness and efficiency in addressing my concerns has left me feeling frustrated and powerless. 

I kindly request that you conduct a thorough investigation into this specific inaccuracy, rectify it promptly, and provide me with timely updates on the status of my dispute, as mandated by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts, providing evidence of my earnest attempts to rectify this inaccuracy. I am asking for your assistance to correct the said late open account in 3 credit bureaus : XXXX XXXX XXXX Balance Owed : {$700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: NJ

Complaint narrative:
This is the several times I've complained about some erroneous items in my report. You must correct these items that were opened without my knowledge, consent, or authority within 4 business days.These items are damaging my file and needs to be updated or deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
I fell behind schedule for my payment Initially because of a payment due date error. That was due to the company 's fault and error. I called got it adjusted. They offered me no payment plan or assistance of any kind. I explained my situation. But all they offer is repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: OH

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$6700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$12000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4800.00} ; XXXX XXXX Balance Owed : {$5600.00} ; XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX  XXXX Balance Owed : {$2700.00} ; XXXX XXXXXXXX XXXX XXXX : {$2700.00} ; XXXX XXXX Balance Owed XXXX {$380.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX and XXXX XXXX XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.

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 2023-10-19 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: FL

Complaint narrative:
In violation of federal law, the unverified accounts listed below still report to my credit report after numerous written requests. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these accounts, I'm going to sue you. Please abide by the law so that this matter can be resolved as soon as possible. XXXX  XXXX Balance Owed : {$4400.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$4500.00} ;

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 2023-10-19 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: MD

Complaint narrative:
I am writing to express my deep concern and frustration regarding the numerous unsuccessful attempts I have made to rectify the inaccuracies in my credit report, specifically in relation to a late open account. Despite my continuous efforts to correct this issue, my credit report remains inaccurate and negatively impacts my financial well-being. 

The specific issue I have been trying to address is as follows : There is a late open account listed on my credit report that inaccurately reflects my credit history. This error is severely affecting my credit score and causing financial difficulties.

I have made several attempts to dispute this inaccuracy by following the procedures outlined in the Fair Credit Reporting Act ( FCRA ). Each time, I have provided clear explanations and submitted supporting evidence to substantiate my claim. 

Unfortunately, my efforts have not yielded the desired results, and I continue to encounter the following issues : My previous dispute letters and supporting documents have not received a timely response, leaving me in the dark about the status of my dispute. 

The delay in addressing this inaccuracy has caused financial hardships and has adversely affected my ability to access credit and financial opportunities. 

The presence of this inaccuracy continues to harm my credit score, making it challenging to secure fair lending terms and credit opportunities. 

I understand the critical importance of accurate credit reporting for both consumers and creditors and am fully committed to working with your credit bureau to ensure the correctness of my credit profile. However, the lack of responsiveness and efficiency in addressing my concerns has left me feeling frustrated and powerless. 

I kindly request that you conduct a thorough investigation into this specific inaccuracy, rectify it promptly, and provide me with timely updates on the status of my dispute, as mandated by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts, providing evidence of my earnest attempts to rectify this inaccuracy. I am asking for your assistance to correct the said late open account in 3 credit bureaus : XXXX XXXX XXXX Balance Owed : {$700.00}.

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