vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 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:
I have have opted out with XXXX XXXX XXXX, XXXX and requested they stop sharing your nonpublic personal information. COMPLAINT ID 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 2024-04-16 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: NC

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 2024-04-16 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to you regarding an issue of utmost importance that has recently come to my attention. It has been brought to my notice that there is a debt in the amount of {$670.00} associated with my name, which I believe stems from a case of identity theft involving a stolen credit card. 

I want to clarify that during the period from XXXX to XXXX, I was unfortunately XXXX, and during this time, I had no means of making any transactions, including those related to the aforementioned credit card account. Upon my release from XXXX I was shocked to discover the existence of this debt, as I had neither authorized nor acknowledged any transactions related to it. 

I have taken several steps to address this issue. Firstly, I filed a report with the XXXX XXXX Police Department, detailing the fraudulent activity surrounding the stolen credit card. Additionally, I submitted a report to the Federal Trade Commission outlining the identity theft that occurred. Furthermore, I have provided documentation proving the duration of my imprisonment, demonstrating that I was unable to engage in any financial transactions during that time. 
Given the circumstances outlined above, I kindly request that the associated debt be dissolved. This unjust debt are severely hindering my ability to achieve financial stability and provide for my family. Resolving this matter is crucial for me to move forward with my life and overcome the challenges I have faced. 
I appreciate your attention to this matter and kindly request a prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: MA

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 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 2024-04-16 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: MA

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 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 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: WV

Complaint narrative:
On the evening of Tuesday, XX/XX/XXXX from approximately XXXX to XXXX oclock I was filing with XXXX for my 2023 tax season then was having a conversation with XXXX support at which time the financial institution of Goldman sachs sent a text message through XXXX XXXX saying that I had to verify my savings account with them and then gave me a phone number to contact them. I did not set up anaccount with Goldman Sachs. it also had a reset on it for the email so I locked it up being that I didnt know the password and I couldnt reset it to the phone number that was given on the screen at Marcus.com I filed with a federal trade commission, but I was the filing number. I also filed with the FCC and included the screenshots from XXXX XXXX and the screenshots from the financial institution where I included the ticket number at the same time my location was showing up as XXXX XXXX XXXX XXXX XXXX on the screen shots on my XXXX while I was sitting at my apartment using my own wifi there was also a phone number associated that was not mine XXXX XXXX XXXX XXXX XXXX XXXX federal trade commission XXXX fcc No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: AZ

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.

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 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2024-04-16 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: AZ

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-16 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I 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 explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: MA

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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
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 consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per USC 1666b, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported 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 explanation
Consumer complaint received 2024-04-16 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: AZ

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

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 2024-04-16 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I saw that I have an unauthorized credit inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2024-04-16 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: IL

Complaint narrative:
My request for an investigation into these accounts stems from inaccuracies in my credit report. Efforts to reach the creditor for account management and removal have been undertaken, aligning with FCRA 605B 's requirement to eliminate incorrect accounts from a consumer 's credit report. Swift resolution is essential.

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 2024-04-16 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are some fraudulent inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2024-04-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: MI

Complaint narrative:
XX/XX/XXXX, I bought a XXXX XXXX XXXX from XXXX XXXX XXXX. It was financed by Exeter Finance ( TX ). My note was {$400.00} a month. By XX/XX/XXXX, the XXXX was repossessed ; then sold to someone else. My last ( {$400.00} ) payment was around XX/XX/XXXX. XXXX months of nonpayment is {$1200.00}. Not {$5000.00}. Simple math. Accurate information. My account was closed by Exeter, filed with XXXX credit bureaus ( XXXX, XXXX and XXXX ), and now being pursued by debt buyer XXXX XXXX based on false information. The ( {$5000.00} ) amount owed is wrong, not true. Credit bureaus, especially XXXX, never categorized it correctly on my report. It was never reported or filed as a vehicle repossession. Ive made several attempts ( submitted many disputes with supporting documentation ) from XXXX to have it updated or removed. XXXX picked up on my falsely reported and classified ( {$5000.00} ) account in XXXX, I think. Recently, I filed another dispute. Credit bureaus and XXXX keep moving the goal post. Now this verified and updated account is dated XX/XX/XXXX. So itll be another XXXX years before it comes off?! If I shut up and dont challenge them then itll stick and just be on my report until XXXX?! Thats XXXX years since I bought the car. It will be XXXX years since the XXXX was XXXX and sold to someone else. Thats insane!! This is harassment!! Isnt this breaking or violating a law?! Predatory lending and collection practices. Discrimination. XXXX sure not all repossession accounts are handled like mine. Credit bureaus are determined to let false reports, records, and debts negatively impact my credit score. For a while, my credit score was almost XXXX. Now I cant possibly finance a home with my current credit score or this stain on my credit report. Due to these false claims and financial predators, my credit has dropped to XXXX, according to XXXX. Theyre attacking my credibility! They keep their foot on my neck with frivolous charges! Just cant get to a XXXX XXXX XXXX ; regardless to what I do to counteract this {$5000.00} lie! XX/XX/XXXX, I bought a car. XXXX still paying on it. My XXXX XXXX averaged XXXX while I was in college with a newborn. Now my outlandish student loans are being addressed and have been updated steadily for the last year. But this random, inaccurate {$5000.00} car debt is still on my credit report?! XXXX years later?! Nothing has changed in XXXX years. This SHOULD NOT be allowed to happen!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I reported fraudulent activity on my credit card in XX/XX/XXXX. I notified Barclay about the fraud via telephone call. They Sent me a new card. Since then I have received nothing in the mail nor a phone call acknowledging the fraud or that they are working on crediting the account. I called on XX/XX/XXXX and they advised they're working on it. Now XXXX months after my follow up call I am still waiting for a credit of the charges or at the very least, an update to my fraud review. It's not a large amount so I'm not sure why it is taking so long.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Absolute Resolutions Corp.
State: OH

Complaint narrative:
I am writing to you regarding an issue of utmost importance that has recently come to my attention. It has been brought to my notice that there is a debt in the amount of {$670.00} associated with my name, which I believe stems from a case of identity theft involving a stolen credit card. 

I want to clarify that during the period from XXXX to XXXX, I was unfortunately XXXX and during this time, I had no means of making any transactions, including those related to the aforementioned credit card account. Upon my release from XXXX I was shocked to discover the existence of this debt, as I had neither authorized nor acknowledged any transactions related to it. 

I have taken several steps to address this issue. Firstly, I filed a report with the XXXX XXXX Police Department, detailing the fraudulent activity surrounding the stolen credit card. Additionally, I submitted a report to the Federal Trade Commission outlining the identity theft that occurred. Furthermore, I have provided documentation proving the duration of my imprisonment, demonstrating that I was unable to engage in any financial transactions during that time. 
Given the circumstances outlined above, I kindly request that the associated debt be dissolved. This unjust debt are severely hindering my ability to achieve financial stability and provide for my family. Resolving this matter is crucial for me to move forward with my life and overcome the challenges I have faced. 
I appreciate your attention to this matter and kindly request a prompt resolution.

Company response to consumer: Closed with explanation