vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: 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 2024-12-27 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: 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 explanation
Consumer complaint received 2024-12-27 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: LA

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax hard inquiry. All were unnecessary inquiries to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2024-12-27 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: NY

Complaint narrative:
PLEASE BE ADVISED THAT AS OF XX/XX/year>, MY INITIAL DISPUTE WAS MAILED OUT AND I HAVE YET TO HEAR A RESPONSE 6 MONTHS LATER THIS IS MY SECOND DISPUTE AND I DEMAND A RESPONSE IN A TIMELY MANNER. AS LISTED ON MY MOST RECENTLY REVIEWED CONSUMER REPORT, THERE ARE STILL UNVERIFIED INQUIRIES AND ACCOUNTS. THESE UNVERIFIED AND UNAUTHORIZED INQUIRIES AND ACCOUNTS ARE A RESULT OF ENABLING IDENTITY THEFT. MY PERSONAL INFORMATION HAS BEEN LEAKED THROUGH XXXX XXXX BREACH. EXPERIAN HAS FAILED IN ENSURING THE MAXIMUM POSSIBLE ACCURACY OF THIS INFORMATION PRIOR TO FURNISHING IT ON MY CREDIT PROFILE. THIS IS A CLEAR VIOLATION OF MY RIGHTS AS A CONSUMER. I

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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 request the immediate deletion of this unauthorized entry from my credit report, as it is not connected to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: NC

Complaint narrative:
Subject : Complaint Against XXXX regarding Erroneous Credit Reporting, Student loan discharge, Compensation Request and Failure to Issue 1099-C.

I am filing this formal complaint regarding longstanding issues with XXXX and the previous reporting of a now discharged student loan. Below are the details of my concerns : 1 ) Inaccurate Credit Reporting for 17 years ___________________________ This XXXX student loan in question has been inaccurately reported on my credit report since XX/XX/XXXX ; Despite Identity Theft Report, several Complaints with XXXX and credit agencies that always came back VERIFIED as the Credit Agencies continuously Parrot off of XXXX  without proper investigation. 

XXXX ) Loan XXXX letter XX/XX/XXXX ___________________________ A complaint was filed with the CFPB XX/XX/XXXX regarding XXXX and the Credit Agencies, The Federal Student Aid as OFFICE of the U.S. Department of Education ; " DISCHARGED '' this loan and as of XX/XX/XXXX the Credit Reporting Agencies XXXX TransUnion, XXXX XXXX XXXX REMOVED this loan off of my credit report. In addition, XXXX sent me a letter XX/XX/XXXX stating my loan was DISCHARGED. 

XXXX ) Request for Compensation and Issuance of XXXX form for DEBT CANCELATION for tax purposes. 
___________________________ I am requesting compensation from XXXX in the amount of {$5000.00} to be deposited into checking acct # XXXX, immediately for financial and emotional distress caused by XXXX inaccurate reporting for the past 17 years, even though it exceeded the XXXX - year reporting period allowed under the Fair Credit Reporting Act ( FCRA ) Per 15 U.S.C. 1681c ( a ). 
I also request that XXXX issue a XXXX : Debt Discharge for this XXXX TAX YEAR ; therefore I can fulfill my tax obligations according to the IRS. Please forward this form XXXX ( DEBT CANCELATION Form ) promptly to : XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX 

ATTACHMENTS ___________________________ XXXX ) Documents showing loan discharge XX/XX/XXXX XXXX ) Credit reports showing the loan extended reporting period XXXX ) Multiple disputes has been filed throughout the years, with no resolution, and this inaccurate information was verified without reasonable investigation. 

I request the CFPB 's assistance in resolving this imperative matter promptly. 

Sincerely, XXXX XXXX XXXX ______________________ XXXX XXXX ALL RIGHTS RESERVED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: NC

Complaint narrative:
Subject : Complaint Against XXXX regarding Erroneous Credit Reporting, Student loan discharge, Compensation Request and Failure to Issue 1099-C. 
I am filing this formal complaint regarding longstanding issues with XXXX and the previous reporting of a now discharged student loan. Below are the details of my concerns : 1 ) Inaccurate Credit Reporting for 17 years ___________________________ This XXXX student loan in question has been inaccurately reported on my credit report since XX/XX/XXXX ; Despite Identity Theft Report, several Complaints with XXXX and credit agencies that always came back VERIFIED as the Credit Agencies continuously Parrot off of XXXX  without proper investigation. 

XXXX ) Loan Discharged letter XX/XX/XXXX ___________________________ A complaint was filed with the CFPB XX/XX/XXXX regarding XXXX and the Credit Agencies, The Federal Student Aid as OFFICE of the U.S. Department of Education ; " DISCHARGED '' this loan and as of XX/XX/XXXX the Credit Reporting Agencies XXXX XXXX, EQUIFAX XXXX XXXX REMOVED this loan off of my credit report. In addition, XXXX sent me a letter XX/XX/XXXX stating my loan was DISCHARGED. 

XXXX ) Request for Compensation and Issuance of XXXX form for DEBT CANCELATION for tax purposes. 
___________________________ I am requesting compensation from XXXX in the amount of {$5000.00} to be deposited into checking acct # XXXX, immediately for financial and emotional distress caused by XXXX inaccurate reporting for the past 17 years, even though it exceeded the XXXX - year reporting period allowed under the Fair Credit Reporting Act ( FCRA ) Per 15 U.S.C. 1681c ( a ). 
I also request that XXXX issue a XXXX : Debt Discharge for this XXXX TAX YEAR ; therefore I can fulfill my tax obligations according to the IRS. Please forward this form XXXX ( DEBT CANCELATION Form ) promptly to : XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX 

ATTACHMENTS ___________________________ XXXX ) Documents showing loan discharge XX/XX/XXXX XXXX ) Credit reports showing the loan extended reporting period XXXX ) Multiple disputes has been filed throughout the years, with no resolution, and this inaccurate information was verified without reasonable investigation. 

I request the CFPB 's assistance in resolving this imperative matter promptly. 

Sincerely, XXXX XXXX XXXX ______________________ XXXX XXXX ALL RIGHTS RESERVED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: NC

Complaint narrative:
Subject : Complaint Against XXXX regarding Erroneous Credit Reporting, Student loan discharge, Compensation Request and Failure to Issue 1099-C. 
I am filing this formal complaint regarding longstanding issues with XXXX and the previous reporting of a now XXXX student loan. Below are the details of my concerns : XXXX ) Inaccurate Credit Reporting for 17 years ___________________________ This XXXX student loan in question has been inaccurately reported on my credit report since XX/XX/XXXX ; Despite Identity Theft Report, several Complaints with XXXX and credit agencies that always came back VERIFIED as the Credit Agencies continuously Parrot off of XXXX  without proper investigation. 

XXXX ) Loan Discharged letter XX/XX/XXXX ___________________________ A complaint was filed with the CFPB XX/XX/XXXX regarding XXXX and the Credit Agencies, The Federal Student Aid as OFFICE of the U.S. Department of Education ; " DISCHARGED '' this loan and as of XX/XX/XXXX the Credit Reporting Agencies XXXX XXXX, XXXX XXXX Experian REMOVED this loan off of my credit report. In addition, XXXX sent me a letter XX/XX/XXXX stating my loan was DISCHARGED.

3 ) Request for Compensation and Issuance of 1099-C form for DEBT CANCELATION for tax purposes. 
___________________________ I am requesting compensation from XXXX in the amount of {$5000.00} to be deposited into checking acct # XXXX, immediately for financial and emotional distress caused by XXXX inaccurate reporting for the past 17 years, even though it exceeded the XXXX - year reporting period allowed under the Fair Credit Reporting Act ( FCRA ) Per XXXX U.S.C. XXXX ( a ). 
I also request that XXXX issue a 1099-C : Debt Discharge for this XXXX TAX YEAR ; therefore I can fulfill my tax obligations according to the IRS. Please forward this form XXXX ( DEBT CANCELATION Form ) promptly to : XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX 

ATTACHMENTS ___________________________ XXXX ) Documents showing loan discharge XX/XX/XXXX XXXX ) Credit reports showing the loan extended reporting period XXXX ) Multiple disputes has been filed throughout the years, with no resolution, and this inaccurate information was verified without reasonable investigation. 

I request the CFPB 's assistance in resolving this imperative matter promptly. 

Sincerely, XXXX XXXX XXXX ______________________ XXXX XXXX ALL RIGHTS RESERVED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: LA

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit 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 non-monetary relief
Consumer complaint received 2024-12-27 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: NY

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account 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 2024-12-27 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:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account 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 explanation
Consumer complaint received 2024-12-27 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation