vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I submitted a dispute to your agency through the CFPB. 

Complaint Numbers : XXXX XXXX XXXX There was no change as a result of this dispute so now I had to get the FTC involved with this issue. The FTC is attached. 

Your agency continues to report fraudulent information on my credit report that I need removed 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 2022-01-25 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: WI

Complaint narrative:
I XXXX XXXX XXXX have disputed this situation for years with XXXX XXXX and Equifax Credit Bureau. Pertaining a bankruptcy, a chapter XXXX and a chapter XXXX I have submitted forms from the US Bankruptcy court and from XXXX XXXX stating their information was deleted. The courts told me that they do send the credit bureau no one information or verify. But when i dispute it, they come back and tell me that the US Bankruptcy courts verified it and it's a lie. So please help me clear this bankruptcy off my credit report. 

contact me at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.

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 2022-01-25 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: PA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I did not authorize the following companies to run my credit check and ruin my credit score. I contacted the credit bureaus and was told I had to submit an CFPB report for the FTC & it should be removed quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: DE

Complaint narrative:
Hello my name is XXXX XXXX, I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I recently pulled my credit report and noticed credit inquiries that I do not recognize, unauthorized and NOT mine. I must have been the victim in acyber hack or identity theft. These Non Account holding inquiries with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion, XXXX, are NOT mine, I do not recognize and did not authorize them. These inquiries arefraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violate the ( FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. Please remove these items effective immediately! Thanks in advance!

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 2022-01-25 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: RI

Complaint narrative:
I recently pulled my credit report and noticed credit inquiries that I do not recognize, unauthorized and NOT mine. I must have been the victim in acyber hack or identity theft. These Non Account holding inquiries with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are NOT mine, I do not recognize and did not authorize them. These inquiries arefraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violate the ( FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. Please remove these items effective immediately! Thanks in advance!

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 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed!

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 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed!

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 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I send this agency and the three bureaus a certified letter stating the fair reporting act, and 15us code and asked them to remove all inaccurate... old items, fraudulent hard inquiries dating back to XX/XX/2021 ... .credit card that are closed that are still reporting..they still will not remove these items. They were to remove ALL old addresses..jobs..phone numbers etc... they still refuse!

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 2022-01-25 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 — Was not notified of investigation status or results
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
Because the accounts and personal information being reported are not mine, I have made repeated requests to creditors and credit bureaus to have the false information examined and removed from my credit reports. I have received responses stating that the accounts are valid, but I have not received information on how they received their decision or the information receivedto verify.

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 2022-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
I would like to initiate mediation and/or arbitration and am getting stifled at every turn. 

There is no money .... all of what people generally know as " money '', save {$100000.00} in US currency, is borrowed and I'm not working for borrowed currency. It's just not going down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
for the last six months i have been disputing inaccurate derogatory information on my credit report. XXXX XXXX XXXX, experian, XXXX, and XXXX have all re-aged these debts on my credit report and have reported either missing or inaccurate payment history which is a FCRA violation. the last round of disputes i mailed off were around XX/XX/XXXX, i asked for my results to be sent to me via usps mail but nothing ever arrived. due to these inaccurate unverifiable items on my credit report i have been deprived of acquiring new credit. this account has been re-aged due to an inaccurate date of first delinquency. 

EXPERIAN REMOVAL DATE XX/XX/XXXX XXXX REMOVAL DATE XX/XX/XXXX XXXX REMOVAL DATE 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 explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have opened complaints with XXXX XXXX XXXX XXXXXXXX, CFPB and as of yesterday wrote the White House. 

The Cares Act when executed stopped all Federal Student Loans payments and placed them into COVID Forbearance. Consequently, this reflected on credit reports in some situations as not reporting and on others as Late, see attached. The major issue is that as a personal consumer I never requested the Department of Education, XXXX XXXX or XXXX to place my loans in deferment. Once I noticed the ACH not being withdrawn from my account, I contacted XXXX XXXX  and requested payments be reinstated. Recently, my loans were transferred to a new service provider and with the extension of the Cares Act 0 % interest thru XX/XX/XXXX, they stopped my payment without my authorization. 

This is having a negative effect on my credit report. A consumer should have to request forbearance or hardship, loans should not be placed into deferment unless requested. I have attached my XXXX  history and I have opened disputes with all the Credit Bureaus and XXXX  XXXX continues to update inaccurately. I have an open dispute for the posting of the XX/XX/XXXX Payment that never posted prior to transfer to XXXX. 

I believe COVID Forbearance should be removed from any credit report as there was no authorization to stop payments. They just stopped. For an individual like myself that caught it and reinstated payments, especially! 

Thank you for your time and consideration. 

Sincerely, 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 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have opened complaints with XXXX XXXX XXXX, XXXX, CFPB and as of yesterday wrote the White House. 

The Cares Act when executed stopped all Federal Student Loans payments and placed them into COVID Forbearance. Consequently, this reflected on credit reports in some situations as not reporting and on others as Late, see attached. The major issue is that as a personal consumer I never requested the Department of EducationXXXX XXXX  XXXX or XXXX to place my loans in deferment. Once I noticed the ACH not being withdrawn from my account, I contacted XXXX XXXX and requested payments be reinstated. Recently, my loans were transferred to a new service provider and with the extension of the Cares Act 0 % interest thru XX/XX/XXXX, they stopped my payment without my authorization. 

This is having a negative effect on my credit report. A consumer should have to request forbearance or hardship, loans should not be placed into deferment unless requested. I have attached my ACH history and I have opened disputes with all the Credit Bureaus and XXXX XXXXXXXX continues to update inaccurately. I have an open dispute for the posting of the XX/XX/XXXX Payment that never posted prior to transfer to XXXX. 

I believe COVID Forbearance should be removed from any credit report as there was no authorization to stop payments. They just stopped. For an individual like myself that caught it and reinstated payments, especially! 

Thank you for your time and consideration. 

Sincerely, 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 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a complaint against XXXX. On several occasions I have contacted TransUnion requesting they remove outdated information from my credit report. The outdated information consists of late payments made on my student loans. As a XXXX XXXX XXXX XXXX veteran my student loan debt was forgiven in 2014. It is my understanding that the subject information should have been removed seven years from date of my loan forgiveness. However, TransUnion has not yet removed the information from my credit report even though I have requested that they do so.My lates attempt to have this outdated information removed from my credit report was approximately three weeks ago. As of today, the subject information is still being reported by TransUnion. No other credit reporting agency is reporting this outdated 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 2022-01-25 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: TN

Complaint narrative:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: TN

Complaint narrative:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-01-25 00:00:00
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I prepaid {$230.00} for a service call and battery installation from XXXX. Upon inspection of my vehicle 's battery, the service technician discovered my battery was not the issue. I then only received a jumpstart in order to get my vehicle back to my property. XXXX then adjusted my service and the receipt reflected the amount I expected to pay which was {$100.00}, however, the payment of {$230.00} remained on my credit card statement. I filed a dispute with XXXX, faxed all necessary paperwork to Capital One in a timely fashion. Capital One then credited my account of the amount difference I was disputing of {$120.00} ( {$230.00} prepaid amount, minus {$100.00} for actual service I received ). After their " investigation '' and correspondence with XXXX, they reversed the decision, and the amount I was disputing ( {$120.00} ) charge was added back to my credit statement. I have spent HOURS trying to explain this simple math equation with Capital One and they don't seem to understand. I have ALL necessary paperwork to rightfully pursue and be reimbursed the {$120.00} from Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-25 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: TX

Complaint narrative:
The reporting credit bureaus make very difficult to submit documents by the web. I will have to send all documents by mail and wait a long time for a response. 
The credit bureaus should explore easy ways to satisfy consumer complaints including in person telephone representatives.

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 2022-01-25 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: GA

Complaint narrative:
On XX/XX/2021 I submitted a dispute to your agency through the CFPB. 

Complaint Numbers : XXXX XXXX XXXX There was no change as a result of this dispute so now I had to get the FTC involved with this issue. The FTC is attached. 

Your agency continues to report fraudulent information on my credit report that I need removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: GA

Complaint narrative:
On XX/XX/2021 I submitted a dispute to your agency through the CFPB. 

Complaint Numbers : XXXX XXXX XXXX There was no change as a result of this dispute so now I had to get the FTC involved with this issue. The FTC is attached. 

Your agency continues to report fraudulent information on my credit report that I need removed 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