vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This is my several endeavors to tell you that I am a victim of XXXX XXXX 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 XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-16 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This is my several endeavors to tell you that I am a victim of XXXX XXXX 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 XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: PA

Complaint narrative:
i recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i have attached a copy of my report to this complaint on the following dates ( XX/XX/23 and XX/XX/23 ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 
Account Name : XXXXXXXX XXXX Account 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 2024-05-16 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: TX

Complaint narrative:
I sent copies of debt validation letters to all 3 credit reporting agencies that the company did not answer to. The collection account from XXXX XXXX XXXX was never properly validated, to date I have not received anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent copies of debt validation letters to all 3 credit reporting agencies that the company did not answer to. The collection account from XXXX XXXX XXXX was never properly validated, to date I have not received anything from 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 2024-05-16 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I paid {$2400.00} to XXXX for a XXXX XXXX XXXX XXXX  and scheduled an appointment for XX/XX/XXXX. I was made aware of the cancellation policy, which provided for a full refund if the XXXX was cancelled at least 3 business days in advance. I attempted to cancel my appointment on XX/XX/XXXX and XX/XX/XXXX by calling XXXX 's customer service number. XXXX did not cancel my reservation. When I initiated a dispute through my credit card company, Citibank, they did not dispute my attempts to cancel the appointment and offered to reschedule or refund 50 % of my money. Citibank asked me to provide a response to XXXX 's communication, which I did, on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Citibank falsely indicating that I did not provide the requested information and they were closing the investigation. I called Citibank and requested the investigation be reopened and for them to actually read the information I provided. Citibank then changed what information the requested from me in a letter on XX/XX/XXXX, by indicating that I needed provide documentation that XXXX agreed to credit my account. Obviously, that was not possible as XXXX was not offering to credit my account. I explained this in a letter to Citibank and their response on XX/XX/XXXX was that they " no longer have any available means to assist you in this matter since the timeframe in which to resolve a dispute has passed. '' Citibank was clearly not interested in protecting me in this matter. At the very least, they did not act with competence, or at worst were dishonest with me. Ultimately, they use their own delays in the matter as justification for closing the investigation. The end result is that XXXX has {$2400.00} from me and has not provided me with a single good or service.

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 2024-05-16 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: PA

Complaint narrative:
Correct Data : Account PAID As Agreed ( In FULL ) ON Time 100 % -All Bureaus. 

Current FICO TransUnion Report : Older Derogatory Events : 60 Days ( XX/XX/2017 ) Older Derogatory Events : 90 Days ( XX/XX/2017 ) The information, containing derogatory dates, is unique & and misaligned in comparison to the same account data across both XXXX and XXXX. I did not authorize these inputs of inaccuracies. 

This Data Needs to be removed.

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 2024-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Hi I notice some unauthorize inquires, collection, close accounts, auto loans, XXXX loans, personal loans, other accounts on my report and accordance with the FCRA ( fair credit report act ) Id like to have them remove immediately or pay and pay as agree in never late Pursuant to 18 USC 8, I owe no debt these company is violating my consumer right to privacy pursuant to 15 USC 1681 b 15 USC 1681 4 company has also no permission to report anything using my information these are close account thats late in not pay as agree they not minds XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} Auto Loan thats close and not minds XXXX XXXX XXXX XXXX {$20000.00} XXXX Loan thats not minds neither DEPT OF EDXXXX XXXX XXXX XXXX Personal Loan not minds XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX say its late its not minds and 15 USC 1681 A Late payment Other Account not minds 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 AND 12 Inquires Now what i want is proof of all the stuff im bout to write down 15 USC 1692g Validation of debt 15 USC 1692e false or misleading representation 15 USC 1692j furnishing certain deceptive form 15 USC 1681 A late payment RULE 1002 requirement of original 18 USC 1028A aggravated identity theft

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 2024-05-16 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Hi I notice some unauthorize inquires, collection, close accounts, auto loans, XXXX loans, personal loans, other accounts on my report and accordance with the FCRA ( fair credit report act ) Id like to have them remove immediately or pay and pay as agree in never late Pursuant to 18 USC 8, I owe no debt these company is violating my consumer right to privacy pursuant to 15 USC 1681 b 15 USC 1681 4 company has also no permission to report anything using my information these are close account thats late in not pay as agree they not minds XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Loan thats close and not minds XXXX XXXX XXXX XXXX {$20000.00} XXXX  Loan thats not minds neither DEPT OF ED/XXXX XXXX XXXX XXXX Personal Loan not minds XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX say its late its not minds and 15 USC 1681 A Late payment Other Account not minds XXXX XXXX XXXX XXXX 4 Collection thats not minds XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} AND 12 Inquires Now what i want is proof of all the stuff im bout to write down 15 USC 1692g Validation of debt 15 USC 1692e false or misleading representation 15 USC 1692j furnishing certain deceptive form 15 USC 1681 A late payment RULE 1002 requirement of original 18 USC 1028A aggravated identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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 understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning 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 explanation
Consumer complaint received 2024-05-16 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: CA

Complaint narrative:
NEGATIVE ACCOUNTS : 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 These accounts were reported this year XXXX. I am not sure why it happened. These accounts have not been reported under my name since XXXX they were opened.

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 2024-05-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
NEGATIVE ACCOUNTS : 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  These accounts were reported this year XXXX. I am not sure why it happened. These accounts have not been reported under my name since XXXX they were opened.

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 2024-05-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I recently reviewed my credit report and noticed several inquiries that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I recently reviewed my credit report and noticed several inquiries that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: NJ

Complaint narrative:
See Attached Letter sent certified to them on XX/XX/2024. 

TransUnion in complicit in allowing allowing a creditor to bully and do me harm as a consumer. They are violating the law and my rights under 15 U.S.C. 1681i Notice to consumer by reinserting this inaccurate account into my consumer 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 2024-05-16 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: NY

Complaint narrative:
I have submitted disputes for XXXX XXXX  credit card that has been closed and charged off 7 years ago. The last payment activity was in XX/XX/XXXX. However, this company has not once provided me any proof of owing the money, besides when I asked for balance history and dates, they have not provided anything. Instead they continue to report that the balance is owed every month and they have re-aged the account started XX/XX/XXXX which is against the regulations of FCRA and this has caused my credit score to drop. I have sent them multiple notices to no avail. They are unavailable via phone or fax. They have only a XXXX XXXX XXXX to contact and it is super difficult to get in touch with anyone at this fraudulent company. They give trouble to all their customers as can be seen in every XXXX review out there. I have sent them notices via all 3 credit agencies and get no response, instead they update the file and dates and keep reporting the wrong information. They are beyond the age of the debt in the state of NY and need to remove it immediately.

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 2024-05-16 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: NY

Complaint narrative:
I have submitted disputes for XXXX XXXX  credit card that has been closed and charged off 7 years ago. The last payment activity was in XX/XX/XXXX. However, this company has not once provided me any proof of owing the money, besides when I asked for balance history and dates, they have not provided anything. Instead they continue to report that the balance is owed every month and they have re-aged the account started XX/XX/XXXX which is against the regulations of FCRA and this has caused my credit score to drop. I have sent them multiple notices to no avail. They are unavailable via phone or fax. They have only a XXXX XXXX XXXX to contact and it is super difficult to get in touch with anyone at this fraudulent company. They give trouble to all their customers as can be seen in every XXXX review out there. I have sent them notices via all XXXX credit agencies and get no response, instead they update the file and dates and keep reporting the wrong information. They are beyond the age of the debt in the state of NY and need to remove it immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have submitted disputes for XXXX bank credit card that has been closed and charged off 7 years ago. The last payment activity was in XX/XX/XXXX. However, this company has not once provided me any proof of owing the money, besides when I asked for balance history and dates, they have not provided anything. Instead they continue to report that the balance is owed every month and they have re-aged the account started XX/XX/XXXX which is against the regulations of FCRA and this has caused my XXXX XXXX to drop. I have sent them multiple notices to no avail. They are unavailable via phone or fax. They have only a XXXX XXXX XXXX to contact and it is super difficult to get in touch with anyone at this fraudulent company. They give trouble to all their customers as can be seen in every XXXX review out there. I have sent them notices via all XXXX credit agencies and get no response, instead they update the file and dates and keep reporting the wrong information. They are beyond the age of the debt in the state of NY and need to remove it immediately.

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 2024-05-16 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: FL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which 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 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