vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXXXXXX  and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 2023-12-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: MS

Complaint narrative:
XXXX XXXX  was paid as agreed I XXXX XXXX XXXX and missed 3 payments I emailed the company asking to pay XXXX towards the balance and they said they sold it to jefferson collect now XXXX  is on my report while jefferson financial is collecting. I don't belive 2 company 's can collect on the same debit. And I have been paying jefferson collections every month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate late payment information on my credit report. After careful review of my credit report, I have identified discrepancies related to the reporting of late payments. I am seeking your assistance in correcting this matter promptly. 
Below are the details of the late payment information that requires attention : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXXXXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I acknowledge that there was a late payment on the mentioned account, and I take full responsibility for the delay. However, I want to bring to your attention that the late payment has since been settled. I discovered the oversight promptly and made the payment as soon as I became aware of the delinquency. 
I understand the importance of accurate credit reporting, and I am kindly requesting your consideration to update the late payment status on my credit report. I am not disputing the fact that the payment was initially late, but I am requesting that the credit report reflect the resolution of the issue that is, the payment has been made and the account is now current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: TX

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX 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 2023-12-18 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: TX

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX 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 2023-12-18 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: MO

Complaint narrative:
I am writing to express my serious concern and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my credit file. I believe in the importance of maintaining accurate and reliable credit information, and I am troubled by the difficulties I have encountered in rectifying the inaccuracies in my credit report. 

I submitted formal disputes through your online portal, providing detailed information about the fraudulent items on my credit report. Despite these submissions, I have yet to see any positive outcomes or corrections made to my credit file. 

The fraudulent items in question have had a detrimental impact on my creditworthiness and financial standing. I have experienced challenges in obtaining credit, securing favorable interest rates, and even in pursuing certain employment opportunities due to the inaccuracies present in my credit report. 

I have contacted your customer service department on multiple occasions, and each time I have been assured that the matter would be thoroughly investigated and resolved promptly. Unfortunately, these assurances have not translated into tangible results, and the fraudulent items persist on my credit report. 

I understand the importance of maintaining the integrity of credit reporting systems, and I am confident that your institution shares this commitment. It is disheartening to experience such difficulty in resolving what should be a straightforward case of identity theft and fraud. 

In light of the above, I request an immediate and comprehensive review of my case. I expect a thorough investigation into the fraudulent items on my credit report and prompt action to remove them. Additionally, I request regular updates on the progress of this matter and a clear timeline for resolution. 

If the necessary steps are not taken promptly to rectify this situation, I will be compelled to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and explore all available legal avenues to ensure the correction of my credit report. I am asking for your assistance to remove these fraudulent items in my credit file : 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

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 2023-12-18 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I filed for XXXX  XXXX bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. National Credit Systems was included in the bankruptcy. They have now in the month of XX/XX/XXXX added the debt back to my credit report. They are aware that the account they have from XXXX at XXXX was discharged. They then attempted to pass the debt to my son. They are stating that he was a co applicant. However, he was a minor at the time. He was not of age to be on the lease. I have advised this debt collecting agency of this several times. Now they have added this account back to my credit file. At this point, I will seek legal action because this is causing emotional distress. I will definitely be reporting to the bankruptcy court of their continued attempts to still collect a debt that was discharged in federal bankruptcy. This lease was never a co- applicant lease. He was a XXXX  living with his mother. I have been more than patient with National Credit Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: PA

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 2023-12-18 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: MI

Complaint narrative:
This company is reporting payments on my report. This account was never late. The company is reporting I am late 30 days on one reporting agency and 60 days late on another. According to Metro 2 compliance and the FCRA all information should be reported the same to each reporting agency. 

There is an error with this account reporting, this account was never late. 

I have attached the payment history showing there was a payment made in XXXX when the alleged 2nd late occurred on one bureau, and XXXX payment was also made for the alleged 1st Payment.

Attached is also the reporting inaccurate from one credit bureau to the next.

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 2023-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Marlette Funding, LLC
State: NV

Complaint narrative:
After reviewing my credit report, I have identified an error in the reporting of a late payment. I am seeking your assistance in investigating and correcting this issue promptly. 
Below are the details of the inaccurate information : BEST EGG XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I recently noticed that my credit report reflects a late payment on the above-mentioned account. However, I can confirm that this payment was made on time. It is possible that there has been an error in the system, leading to the inaccurate reporting of this late payment. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reporting. I understand the importance of accurate credit reporting, and I believe that resolving this issue will contribute to a more accurate representation of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
After reviewing my credit report, I have identified an error in the reporting of a late payment. I am seeking your assistance in investigating and correcting this issue promptly. 
Below are the details of the inaccurate information : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I recently noticed that my credit report reflects a late payment on the above-mentioned account. However, I can confirm that this payment was made on time. It is possible that there has been an error in the system, leading to the inaccurate reporting of this late payment. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reporting. I understand the importance of accurate credit reporting, and I believe that resolving this issue will contribute to a more accurate representation of my credit history.

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 2023-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
After reviewing my credit report, I have identified an error in the reporting of a late payment. I am seeking your assistance in investigating and correcting this issue promptly. 
Below are the details of the inaccurate information : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I recently noticed that my credit report reflects a late payment on the above-mentioned account. However, I can confirm that this payment was made on time. It is possible that there has been an error in the system, leading to the inaccurate reporting of this late payment. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reporting. I understand the importance of accurate credit reporting, and I believe that resolving this issue will contribute to a more accurate representation of my credit history.

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 2023-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
After reviewing my credit report, I have identified an error in the reporting of a late payment. I am seeking your assistance in investigating and correcting this issue promptly. 
Below are the details of the inaccurate information : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I recently noticed that my credit report reflects a late payment on the above-mentioned account. However, I can confirm that this payment was made on time. It is possible that there has been an error in the system, leading to the inaccurate reporting of this late payment. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reporting. I understand the importance of accurate credit reporting, and I believe that resolving this issue will contribute to a more accurate representation of my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: TX

Complaint narrative:
Dear Transunion.XXXX, XXXX There is info on my credit report that is a result of Identity Theft. I did not provide written permission or instructions for the identitified transactions to be reported, on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to being blocked made on the basis of material representation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you.

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 2023-12-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear XXXX.Equifax, XXXX There is info on my credit report that is a result of Identity Theft. I did not provide written permission or instructions for the identitified transactions to be reported, on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to being blocked made on the basis of material representation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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:
Dear XXXX, Experian There is info on my credit report that is a result of Identity Theft. I did not provide written permission or instructions for the identitified transactions to be reported, on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to being blocked made on the basis of material representation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you.

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 2023-12-18 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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-18 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: CA

Complaint narrative:
5 usc 1681 permissible use -never gave permission to furnish my credit report 1666b Timing of payments - Can not report a late payment on a open end Credit Account Section 602 States I have the right to privacy 15 usc 6802 obligations with respect to disclosure of personal information ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 usc 6803 Disclosure of institution privacy -At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title

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