vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXXXX/XX/XXXX XXXX XX/XX/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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is my 11th 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 : {$600.00} XXXX XX/XX/2022

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission also to the XXXX XXXX police department please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. fraudulent accounts 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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. XXXX XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX XXXX XXXX. Please delete these accounts on my credit file ASAP.

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX XXXX I received my inheritance money and used it to pay off all of my credit card debts in full. I did not accept any debt forgiveness or discounted payoffs for these accounts. I paid the full amounts including interest completely off. Where is the incentive to be a responsible adult and pay my debts off in full if my credit reports are still showing late payments for accounts that have been paid in full and closed for several months now? The accounts mentioned are as follows : XXXX XXXX XXXX  : {$2400.00} XXXX XXXX  : {$1500.00} XXXX XXXX XXXX  : {$1400.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) XXXX  XXXX XXXX  : {$1100.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) XXXX  XXXX : {$480.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) XXXX  XXXX {$1100.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) Please update these comments to either paid as agreed closed or paid closed never late. Since I did pay all of the past due amounts in full, my responsible actions should be rewarded and reflected on my credit report giving me the second chance I worked so very hard for.

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX I received my inheritance money and used it to pay off all of my credit card debts in full. I did not accept any debt forgiveness or discounted payoffs for these accounts. I paid the full amounts including interest completely off. Where is the incentive to be a responsible adult and pay my debts off in full if my credit reports are still showing late payments for accounts that have been paid in full and closed for several months now? The accounts mentioned are as follows : XXXX XXXX XXXX  : {$2400.00} XXXX XXXX  : {$1500.00} XXXX XXXX XXXX  : {$1400.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) XXXX XXXX XXXX : {$1100.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) XXXX  XXXX : {$480.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) XXXX  XXXX {$1100.00} ( account was restored once paid in full, but late payments are hurting chance to apply for more credit ) Please update these comments to either paid as agreed closed or paid closed never late. Since I did pay all of the past due amounts in full, my responsible actions should be rewarded and reflected on my credit report giving me the second chance I worked so very hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update it immediately in my report : 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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
These items are not transactions conducted by me as a consumer. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX # XXXX Account name : XXXX  XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: IA

Complaint narrative:
On XX/XX/XXXXXXXX  i got a alert from XXXX that on XX/XX/XXXX receivables performance had hit my XXXX  credit report saying i owed a debt which i dont, and in fact that never sent me any letter stating i owed this debt before even reporting it to the credit bureaus So on XX/XX/XXXX i called receivable performance up to even find out what it was about and they had said it was a u. Paid bill from XXXX XXXX, Which i ported my phone number over to XXXX in XXXX of XXXX which my bill i had paid on XX/XX/XXXX, And i stated that in order to port ur number over all bills had to be paid current, so after getting off the phone with them swung into XXXX XXXX store at XXXX XXXX XXXX XXXX XXXX, IA XXXX United States At around XXXX on XX/XX/XXXX and sat down with a assiocate to figure everything out and i asked him in order to port ur number the account had to paid off and he said yes, so i showed him what was on my credit and hes like hmmm so another gentelmen who was XXXX came over and said we will have to have u call a associate so they sat me at a desk on the far right of their store after talking to this lady over the phone she said it was for a bill from XXXX XXXX i said how is there a bill from then i was with XXXX then the lady said hmmm hold on ( as she was stumped ) so she had to get with someone in the manager department at XXXX XXXX  corporate then she came back on phone and said i would have to call receivable performance at a number and i said i have got off the phone with them at XXXX XX/XX/XXXX, All bills was paid on this account and XXXX XXXX is making up a bill and illegally trying to get me to pay for a XXXX XXXX bill in which i was with XXXX XXXX in XXXX of XXXX XXXX Receivable performance and XXXX XXXX  are doing illegal bussiness tatics as receivable performance violated the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, by not sending a letter to even try to valadate or dispute the bill in question

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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX. Please delete these accounts on my credit file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit
State: WA

Complaint narrative:
This occurred with Audi of XXXX in XXXX, WA in XXXX of XXXX. I was assured by XXXX XXXX from the finance department that I was signing for an auto loan under my business entity. XXXX said he structured the loan so it would not show up as a personal loan, would not show up on my personal credit, and made claims that I would simply be the guarantor. XXXX even questioned why it was so important for me to have the loan under the business and I explained my plans to purchase more property. Sales representative XXXX and my wife XXXX witnessed this transaction. I signed documents and XXXX never disclosed a different loan would be processed. 

At the beginning of XXXX, XXXX and I began a pre approval process on a property for another business. I recognized that my credit score was greatly impacted by the auto loan during this process. This caused us to be unable to follow through with our business plan due to financial liability caused by the auto loan. 

XXXX was able to contact XXXX by phone after we made numerous attempts. XXXX explained to XXXX the situation and his response was something to the likes of, Im sorry, I tried my best. I was lied to through deceptive sales practices to push along a loan I didn't consent to and it is greatly affecting my professional life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
For the past few months I have been working with a realtor to become a first time home buyer. As the realtor been running a soft credit check there was problems with all 3 credit bureaus. I was able to fix the problem with XXXX and XXXX. I have called Experian several times stating that I have an open credit card account with XXXX XXXX since XXXX of XXXX. Experian has tagged my credit report with unable to receive a score and I am unsure why? I have also faxed a letter to XXXX XXXX to make sure that my account is being reported to all 3 credit companies. I have spoken with a customer representative four or five times and it is exhausting not knowing what I should do 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 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to correct the accounts from my file. 
XXXXXXXX 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