vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 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: TX

Complaint narrative:
FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$48.00} Status Open FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Account charged off. {$2800.00} written off. {$2300.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$350.00} Status Collection account. {$350.00} past due as of XXXX XXXX. 
XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. $ XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$110.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: TX

Complaint narrative:
FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$48.00} Status Open FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Account charged off. {$2800.00} written off. {$2300.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$350.00} Status Collection account. {$350.00} past due as of XXXX XXXX. 
XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. $ XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$110.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family

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 2022-05-17 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: NJ

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 1. Account Name : XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX XXXX  Account Number : XXXX 3. Account Name : XXXX Account Number : XXXX 4. Account Name : XXXX Account Number : XXXX 5. Account Name : XXXX Account Number : XXXX 6. Account Name : XXXX XXXX  XXXX Account Number : XXXX 7. Account Name : XXXX XXXX  Account Number : XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax should remove XXXX XXXX XXXX from my credit report immediately due to the fact that they have violated my rights under the Fair Credit Reporting Act, Section 611 ( c ) which clearly states and I quote Section 611 ( c ) of the FCRA provides : " Whenever a statement of dispute is filed,... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof '' In a credit report dated XX/XX/2022 that Equifax sent to me they fail to mention that the XXXX  XXXX XXXX account number XXXX was disputed by me and that I have been disputing the accuracy of this account for over 8 months now. The last dispute concerning the XXXX  XXXX XXXX account was received by Equifax more than 30 days before the printing of this credit report dated XX/XX/2022 but yet Equifax failed to mention on the credit report that this account was disputed by me. I have attached a copy of the credit report sent to me and highlighted the violation. The highlighted violation can be found on pages 11 & 12 of the credit report. ( kindly see file attached ). Equifax refused to place this statement on the credit report which is a violation of the Fair Credit Reporting Act and according to the Fair Credit Reporting Act such a violation warrants the immediate deletion of such an account from a person 's credit report. Because of this violation Equifax is liable for a {$1000.00} fine. 
Kindly delete XXXX  XXXX XXXX immediately from my credit report. A failure to do so will result in me taking legal action against this company for violating my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
15 USC 1681 a Inaccurate information on consumer reports every reporting agency should have correct information

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
15 USC 1681 a Inaccurate information on consumer reports every reporting agency should have correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: FL

Complaint narrative:
Please remove this account from my credit with XXXX XXXX XXXX XXXXXXXX as I have reached out several times and I have no response as to when this will be resolved.

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 2022-05-16 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: FL

Complaint narrative:
Please remove this account from my credit with XXXX XXXX XXXX  XXXX as I have reached out several times and I have no response as to when this will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove this account from my credit with XXXX XXXX XXXX XXXXXXXX as I have reached out several times and I have no response as to when this will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I've contact XXXX XXXX XXXX about a specific amount that has been paid and the account has been closed for more than a year. The account shows closed, and the balance was never updated to zero. The balance remains at XXXX. I contacted XXXX and they told me to contact a collection agency. When contacting the collection agency, they tell me to contact XXXX. 

I have a letter from XXXX, the collection company showing the account was settled on XX/XX/2020. I got the letter from XXXX on XX/XX/2020 and called XXXX again. They still have not updated the balance on my credit report. 

The amount settled was XXXX. XXXX settled for a lesser amount and sent me a XXXX for XXXX. 

When I spoke with XXXX, they were aware the account was paid.

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Dear, XXXX, Equifax, and XXXX. I am contacting you guys about my credit acceptance collection on my credit report. I contacted the furnishers of this information about a lot of incorrect information being reported across all three of your bureaus. The misreported information is Late payments, Payment Status, Worst payment status, account status, times 30/60/90 late, date of last payment, late payments. Now I contacted you guys separately about this information and you deemed it to be accurate but the problem is that all three bureaus have different information regarding the following stated above. I will be attaching a visual of the following mis matched info across all bureaus. 

After contacting credit acceptance, the furnisher of this information, they told me that they've been reporting accurate information to all three bureaus and that its basically your fault and that you're the ones who've misreported the information they gave you. I am asking for verifiable proof of this claim. ( Their reports to you guys of all the information furnished on my report from credit acceptance ) I will also be attaching their response of them stating that you guys are the ones who are misreporting which is a violation under the FCRA. Now, I believe that credit acceptance just didn't want to own up to their mistakes because to my understanding, you guys only furnish information given to you by the CRA. So I would like a copy of what credit acceptance has send to you to report about my file since their claiming they reported all accurate information. I am not asking for a copy of my credit report with them since I have that already. But verifiable proof of when they send you this information and what the information entailed as to see you if you guys are the ones who are actually misreporting the information this credit agency gave you or its them who is reporting mis matched information to you guys. 

Now if they did in fact send you the correct information and you guys have been misreporting it please know I will be taking legal action and asking for financial compensation as there's a lot of inaccurate information across all three bureaus and violations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: FL

Complaint narrative:
I have made payments and still have the creditor reporting to my credit as late and affecting my credit score where i am not able to do anything with credit due to this account- XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit act Experian has violated my rights to privacy for reporting account 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 2022-05-17 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: FL

Complaint narrative:
XXXX XXXX  is improperly reporting to my credit and filing incorrect information on my credit. account needs to be removed from my credit from all three credit bureaus under account number-Acct # XXXX and Acct # 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 2022-05-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  is improperly reporting to my credit and filing incorrect information on my credit. account needs to be removed from my credit from all three credit bureaus under account number-Acct # XXXX and Acct # 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 2022-05-17 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: FL

Complaint narrative:
XXXX XXXX  is improperly reporting to my credit and filing incorrect information on my credit. account needs to be removed from my credit from all three credit bureaus under account number-Acct # XXXX and Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian : Note : Violation of FCRA 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 an account without my written instructions 1. XXXX  XXXX Account Number XXXX this account was never delinequent/ late ; report all on time payments or remove immediately. ( provide method of verification of balance and all payments )- Experian has neglected to report any payment amount/balance amount history. Several payments over {$500.00} were made to this account that are not being reported accurately. 
-This report is not aligning with the other credit bureau reports, it is illegal to neglect to report on time payments to any consumer account also it is fraudulent to not verify effectively to make sure this information matches the other credit bureaus, this has caused severe distress and financial strain.

- Balance history is missing ; how can Experian report a balance is owed without verifying the balance history amounts since beginning of the account.

2. XXXX XXXX XXXX Account Number XXXX ( actual open date was XXXX not XXXX this is fraud to report this error. ) -Experian Neglected to present what means of investigate processes were taken to verify these accounts accuracies. 
-This account as been re-aged, this account is showing the INCORRECT open date. 
( incorrect account number, how can you verify this account belongs to me if Experian does not report this accurately ) -This acct is being reported fraudulent past statue of limitations and is a FCRA violation by Experian and XXXX XXXX XXXX has reported illegally misinformation by changing the last activity date causing this acct to re-age drastically affecting my credit profile.

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 2022-05-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan 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 non-monetary relief
Consumer complaint received 2022-05-16 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: EQUIFAX, INC.
State: AR

Complaint narrative:
Congress enacted the FCRA in 1970 to ensure the confidentiality, accuracy, relevancy, and proper utilization of credit reports. 15 U.S.C. 1681 ( b ). 

I filed a certified dispute with Equifax and it was mailed on XX/XX/XXXX, and Equifax received the letter on XX/XX/XXXX. In this complaint I requested that only my name, XXXX XXXX, be listed on my credit report to reflect accurate reporting and I produced a State issued driver 's license as proof of identification and Equifax is still reporting XXXX XXXX XXXX on my credit report as a former name which could lead to fraud because there are so many XXXX XXXX. I request that this information be removed or masked. This letter also included a dispute of bankruptcy information reported by XXXX, which included a XXXX XXXX Account which is closed which indicates that it is a bankruptcy account. XXXX has no permissible reason to report information, does not have my written consent to report and in fact I have opted-out of XXXX at XXXX twice. The bankruptcy court does not report information to any agency. This is an infringement on my right to privacy and continues to oppress me and is discriminatory. 

In addition, I mailed a certified letter on XX/XX/XXXX, requesting that Equifax send me the Sources and Report Recipients for Report # XXXX and " Description of Procedures for Reinvestigation '' for XXXX and all other disputed information ; Equifax received this request on XX/XX/XXXX. I received a letter today from Equifax saying that I can request a Description of Procedures for Reinvestigation for the disputes related to report # XXXX. Equifax has five days to provide this information to me and has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: FL

Complaint narrative:
I have made payments and still have the creditor reporting to my credit as late and affecting my credit score where i am not able to do anything with credit due to this account- 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 2022-05-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have made payments and still have the creditor reporting to my credit as late and affecting my credit score where i am not able to do anything with credit due to this accountXXXX 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 2022-05-16 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: FL

Complaint narrative:
XXXX - XXXX This account needs to be removed from my credit as it is affecting my credit and the company is not removing loan as this is not my account. It is showing on my credit as negative and needs to be removed.

Company response to consumer: Closed with explanation