vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-04 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: NY

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a victim of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: TX

Complaint narrative:
I examined my credit report and observed inaccuracies in the listed 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 2024-05-04 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: 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 correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed : {$360.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$530.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL 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 2024-05-04 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: CA

Complaint narrative:
This is my numerous attempt to inform you that I am an XXXX XXXX XXXX  and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX CT XXXX, CA XXXX XXXX XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: National Credit Adjusters, LLC
State: GA

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC
State: NM

Complaint narrative:
I was in a car wreck in XXXX of XXXX. XXXX XXXX XXXX was one of multiple medical debts that were paid off from a personal injury settlement. A total of XXXX was paid to this company in XXXX of XXXX. At the beginning of XXXX this company attempted to file falsely on my credit report through a credit collector " XXXX XXXX. '' I disputed this twice on XXXX XXXX. The first result was " not changed, '' but the second dispute result was " changed. '' I saw nothing else from this company until the beginning of XXXX. They are attempting to falsely accuse me, again, of owing them thousands of dollars through a credit collector " XXXX XXXX XXXX. '' I have disputed on XXXX XXXX 5 times and once directly through XXXX. Every time the result is " not changed. '' This company is causing serious damage to my credit score.

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 2024-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I examined my credit report and observed inaccuracies in the listed 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 2024-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

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 2024-05-04 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:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XX/XX/2024

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 2024-05-04 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: SC

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Factual Inaccuracy Dear Experian I am writing to dispute an item on my credit report that has been reported by XXXX XXXX XXXX, XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681-S 2 ( 7 ) ( A ), I am entitled to request an investigation into the accuracy of this information. 

1. I dispute this item on the grounds that factual inaccuracy between the opening account date and the date of validation notification. Furthermore, I have not been provided with the certified receipt with my name and signature making me aware of this debt by written notification as required by law before it appears on my credit report. 

According to the FCRA, you are required to conduct a reasonable investigation into the disputed item within 30 days of receiving this letter. After this investigation, I request that you Immediately delete any inaccurate information from my credit report. 

Please note that failure to comply with the FCRA can result in legal action against your company. Enclosed with this letter is a copy of the relevant document supporting my dispute. 

I expect a prompt and thorough investigation into this matter. Please provide a written response within 30 days acknowledging receipt of this dispute letter and informing me of the results of your investigation. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 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: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I received a call this evening from a man named XXXX, # XXXX He claimed he was checking into charges to XXXX and XXXX using the last four of my SS number which he had correct. He claimed he would stop all charges made to my number. He said he would call me back tomorrow and claimed to be from your agency and gave me your XXXX number. I obviously have concerns that this is some type of scam. In the last month I had a claim I had won a large sum of money from XXXX XXXX XXXX!! I DID NOT give them any numbers. They called me several times.. then made me open a new checking account..then asked me to get cards to the tune of {$870.00}. I said NOPEXXXX  you send me the money.. I'll pay the taxesXXXX they stopped calling. It just worries me that he knew the last 4 of my SS number.

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 2024-05-04 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: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

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 2024-05-04 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:
This is the several times I've complained about being a XXXX XXXX XXXX XXXX You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX : {$370000.00}

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I sent Transunion my notarized copy of the affidavit they sent to me. I also attached a copy of my XXXX  and police report as well, on several occasions. 

According to the FRCA. They failed to do a proper investigation. After disputing these fraudulent accounts on my XXXX and XXXX report they were removed. 

Transunion is stating that the accounts are verified, but how us that possible if they did not do a proper investigation according to the law. Also every piece of information on these fraudulent accounts are not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything had to be 100 % accurate. My rights are continually being violated.

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 2024-05-04 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 was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated or deleted.XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 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: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The inquiry was not authorized and this inaccurate address was not mine. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXXXX/XX/year>.

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 2024-05-04 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: GA

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I contacted the credit bureaus when I noticed things on my credit reports that were wrong and needed to be fixed. I have not received a response back in 30 days. I checked my credit report today and my reports are still the same. I sent them detailed information on the incorrectness and also sent them the verifying identity information. I read on the FCRA website that if they do not respond in 30 days then they must delete the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I contacted the credit bureaus when I noticed things on my credit reports that were wrong and needed to be fixed. I have not received a response back in 30 days. I checked my credit report today and my reports are still the same. I sent them detailed information on the incorrectness and also sent them the verifying identity information. I read on the FCRA website that if they do not respond in 30 days then they must delete the 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 2024-05-04 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: NY

Complaint narrative:
The inquiry was not authorized and this inaccurate address was not mine. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: WI

Complaint narrative:
I am writing in regards to a recent notification on my credit report. The information reported are erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report are incorrect.XXXX XXXX Balance : - XXXXXXXX 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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
EXPERIAN IS REPORTING INACCURATE INFORMATION THAT IS NOT SUPPOSE TO BE ON MY CREDIT REPORT SUCH AS OLD ADDRESSES, PHONE NUMBERS AS WELL AS INQURIES. THEY HAVE NO RIGHT TO FURNISH THIS INCORRECT INFORMATION ON MY REPORT WITHOUT MY PERMISSION. NO ACTION WAS TAKING BY THIS COMPANY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

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 2024-05-04 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: 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 correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXXXXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed : {$360.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$300.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$360.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$530.00} XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$670.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief