vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 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:
XXXX Credit Bureau refuse to remove negative item on my credit report. 
In according with the fair credit Reporting act. XXXX XXXX account # XXXX has violated my rights. As per 15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a Mortgage / credit card account under an open-end consumer credit plans as late for any purpose Experian Credit Bureau In according with the fair credit Reporting act. XXXX XXXX  account # XXXX has violated my rights. As per 15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a Mortgage / credit card account under an open-end consumer credit plans as late for any purpose

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 2024-05-30 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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Burke Moore Law Group, LLP
State: NY

Complaint narrative:
I don't know what this is! I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: NY

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 2024-05-30 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: NY

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 explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
THERE WAS UNAUTHORIZED CHARGES ON MY ACCOUNT AND THEY WONT DELETE IT OFF MY 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 non-monetary relief
Consumer complaint received 2024-05-30 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: NJ

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
XXXX XXXX has unpaid checking account debt amount that I dont owe on my credit report. Which is a negative mark on my credit and is violation to the fair credit reporting act. They refuse to remove this negative remark off my credit and refuse to show validation of evidence that this debt belongs to me when it doesnt. I never had a checking account with chase bank never opened or gave anyone permission to open an account. I have spoken with chase bank numerous times and early warning systems. They refuse to close the account or remove from their systems yet they told early warning systems the information was inaccurate and told them to remove it from their systems after my complaint and dispute letter to early warning about the account in question was made. It is not on my credit consumer report anymore yet it is still in chase system and I can not get a bank account with chase because of this. have sent a letter to early warning and chase themselves asking for this negative mark to be removed that I dont owe. Early warning has contacted me stating chase confirmed with them it was inaccurate yet chase is still saying owe/own the debt of XXXX $ and refuse to remove it from their systems. I DID NOT OPEN THIS ACCOUNT THIS IS FRAUD AND HINDERING ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: DC

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 explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Thanks. 

While XXXX had a XXXX score listed on the paper form that was higher than the online bank XXXX score for Wells Fargo ( that uses XXXX ) and while the XXXX XXXX XXXX score of XXXX was highest ( XXXX ), no score was appearing on the online XXXX statement that lists the scores for XXXX, XXXX, and XXXX. 

XXXX and XXXX stated that Wells Fargo is to update them.

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 2024-05-30 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The BARCLAYS BANK DELAWARE failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. 
Barclays # 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 2024-05-30 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: Westlake Services, LLC
State: IL

Complaint narrative:
XXXX XXXX my credit report without my permission on XX/XX/2023 at the time I was hospitalized for XXXX XXXX treatment

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 2024-05-30 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: CA

Complaint narrative:
- # # # Experian XXXX Dispute Letter XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Request for Verification and Dispute of Inaccurate Information under Section 609 of the FCRA** Dear Sir/Madam, I am writing to request a complete disclosure of the information in my credit file as per my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ). Additionally, I am disputing the accuracy of the following account, which appears on my Experian credit report : - **Creditor** : XXXX XXXX XXXX - **Reported Date** : XX/XX/year> - **Balance** : {$160.00} - **Credit Limit** : {$300.00} - **Account Status** : Open - **Responsibility** : Individual Account This account is inaccurate and does not belong to me. It does not appear on my XXXX credit report, which contains accurate information. 

Please provide : 1. Verification of the account in question.

2. The method used to verify the account.

3. Copies of any documents associated with this account.

Enclosed are copies of my identification documents to verify my identity.

Thank you for your prompt attention to this matter. Please respond with the requested information and correct any inaccuracies found. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : - Copy of identification ( e.g., driver 's license, social security card ) - Proof of address ( e.g., utility bill )

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 2024-05-30 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: SC

Complaint narrative:
I would like to dispute off the following items on my credit report listed below. 

Equifax : XXXX XXXX Account Number : XXXX {$24000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$34000.00} XX/XX/XXXX XXXX Account Number : XXXX {$9000.00} XX/XX/XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXX XXXX  Account Number : XXXX {$33000.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$34000.00} XXXX : XXXXXXXX XXXX Account Number : XXXX {$24000.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$6100.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$34000.00} XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$34000.00} XXXX Account Number : XXXX {$9000.00} XX/XX/XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$33000.00} XX/XX/XXXX XXXX : XXXXXXXX XXXX Account Number : XXXXXXXX XXXXXXXX Account Number : XXXX {$6100.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$34000.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$34000.00} XX/XX/XXXX XXXX Account Number : XXXX {$9000.00} XX/XX/XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$33000.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted this complaint to remove this suspicious information. 3 Credit Bureaus must validate these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: NC

Complaint narrative:
I would like to dispute off this inaccurate accounts from my credit report. Please see below the following items. 

XXXX : XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Account Number : XXXX {$1400.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Account Number : XXXX {$3400.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$1400.00} XX/XX/XXXX TransUnion : XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX {$1400.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} 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 2024-05-30 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: NC

Complaint narrative:
I would like to dispute off this inaccurate accounts from my credit report. Please see below the following items. 

XXXX : XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$1400.00} XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$3400.00} XX/XX/XXXX XXXX  XXXX  XXXX Account Number : XXXX {$1400.00} XX/XX/XXXX XXXX : XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$1400.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} 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 2024-05-30 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: SC

Complaint narrative:
I would like to dispute off the following items on my credit report listed below. 

XXXX : XXXXXXXX XXXX Account Number : XXXX {$24000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$34000.00} XX/XX/XXXX XXXX Account Number : XXXX {$9000.00} XX/XX/XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXX XXXX Account Number : XXXX {$33000.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$34000.00} Experian : XXXXXXXX XXXX Account Number : XXXX {$24000.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$6100.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$34000.00} XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$34000.00} XXXX Account Number : XXXX {$9000.00} XX/XX/XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$33000.00} XX/XX/XXXX XXXX : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX {$6100.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$34000.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$34000.00} XX/XX/XXXX XXXX Account Number : XXXX {$9000.00} XX/XX/XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$33000.00} 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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THERE WAS UNAUTHORIZED CHARGES ON MY ACCOUNT AND THEY WONT DELETE IT OFF MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THERE WAS UNAUTHORIZED CHARGES ON MY ACCOUNT AND THEY WONT DELETE IT OFF MY 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 2024-05-30 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I sent a letter on XX/XX/year> to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX Balance Owed {$0.00} XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX  XXXX XXXX XXXX Owed {$0.00} XXXX XXXX XXXX XXXX Owed {$0.00} XXXX XXXX XXXX Balance Owed {$0.00} XXXX XXXX XXXX Balance Owed {$0.00} XXXX XXXX XXXX XXXX Owed {$1200.00} XXXX XXXX XXXX Balance Owed {$2400.00} XXXX XXXX Balance Owed {$6300.00} XXXX XXXXXXXX XXXX XXXX Owed {$120.00} XXXX  XXXX XXXX Balance Owed {$85.00} XXXX XXXXXXXX XXXX XXXX Owed {$140.00} XXXX  XXXX XXXX XXXX Owed {$19000.00} XXXX XXXX XXXX XXXX Owed {$450.00} XXXX  XXXX XXXX XXXX Owed {$0.00XXXX XXXX XXXXXXXX XXXX Balance Owed {$0.00} XXXX  XXXX XXXX XXXX Owed {$73.00} XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX XXXX XXXX Owed {$84.00} XXXX XXXX XXXX XXXX Owed {$61.00} XXXX  XXXX XXXX XXXX Owed {$84.00} XXXX  XXXX XXXX Balance Owed {$100.00} XXXX  XXXX XXXX XXXX Owed {$230.00} XXXX XXXX XXXX XXXX Owed {$69.00} XXXX  XXXX XXXX XXXX Owed {$79.00} XXXX  XXXX XXXX XXXX Owed {$130.00} XXXX  XXXX XXXX XXXX Owed {$83.00} XXXX XXXXXXXX XXXX Balance Owed {$150.00} XXXX  XXXX XXXX XXXX Owed {$170.00} XXXX  XXXX XXXX XXXX Owed {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX  XXXX Balance Owed {$630.00} XXXX XXXX XXXX XXXX XXXX Owed {$3600.00} XXXX  XXXX Balance Owed {$12000.00} XXXX  XXXX XXXX XXXX Owed {$55.00} XXXXXXXX  XXXX Balance Owed {$0.00} XXXX  XXXX Balance Owed {$12000.00} XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Owed {$1200.00} XXXX XXXX XXXX Balance Owed {$2400.00} XXXX XXXX XXXX XXXX Owed {$19000.00} XXXX  XXXX XXXX Balance Owed {$0.00} XXXX XXXXXXXX XXXX XXXX Owed {$0.00}

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 2024-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2024-05-30 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: DC

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