vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-12 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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:
I am writing to express my deep concern and disappointment regarding my previous dispute of fraudulent accounts on my credit report, which was recently rejected by your agency. However, I respectfully disagree with this decision and am continuing to dispute these accounts due to their fraudulent nature. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. You are not in the position to make determinations regarding material facts. You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. 
The following accounts are the ones I am disputing : 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 2023-09-12 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$140.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1300.00} ; XXXXXXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-12 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: MO

Complaint narrative:
My past complaint XXXX I stated that my XXXX report said the only months I missed part of a payment was XX/XX/2022 and XX/XX/2022 but had missed payments on XX/XX/2022 and XX/XX/2022. However, my credit report was not fixed it stated that an investigation was completed but this mistake remains. if the only months I had a remaining balance was XXXX and XXXX, why do I have XXXX late payments in XXXX and XXXX. my past complaint was not properly investigated by 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 2023-09-12 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: MO

Complaint narrative:
My past complaint XXXX I stated that my Equifax report said the only months I missed part of a payment was XX/XX/2022 and XX/XX/2022 but had missed payments on XX/XX/2022 and XX/XX/2022. However, my credit report was not fixed it stated that an investigation was completed but this mistake remains. if the only months I had a remaining balance was XXXX and XXXX, why do I have XXXX late payments in XXXX and XXXX. my past complaint was not properly investigated by XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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: MO

Complaint narrative:
My past complaint XXXX I stated that my XXXX report said the only months I missed part of a payment was XX/XX/2022 and XX/XX/2022 but had missed payments on XX/XX/2022 and XX/XX/2022. However, my credit report was not fixed it stated that an investigation was completed but this mistake remains. if the only months I had a remaining balance was XXXX and XXXX, why do I have XXXX late payments in XXXX and XXXX. my past complaint was not properly investigated by 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 2023-09-12 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: TX

Complaint narrative:
I am writing to make a several attempt to dispute and request the deletion of multiple fraudulent and inaccurate items on my credit report, which are causing substantial harm to my financial reputation. These items include an inaccurate name, incorrect addresses, late closed accounts, charge-offs, unauthorized inquiries, and a public record, all of which I believe have been reported in error. 

Here are the details of the fraudulent and inaccurate items that I am disputing as well as needs to be delete : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$67000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$68000.00} XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX It is crucial to emphasize that these inaccuracies are not a true reflection of my credit history. The incorrect name, addresses, late closed account, charge-off, unauthorized inquiries, and public record claims are all disputed, as they have caused significant damage to my financial reputation. I have never authorized or consented to the inquiries from the entities mentioned above, and I dispute the late closed account and charge-off claims as I have made efforts to resolve these issues, with supporting documentation. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate disputed items on a credit report and provide me with the results of your investigation within 30 days of receiving a dispute letter. Therefore, I kindly request that you : *Conduct a thorough and exhaustive investigation into the accuracy of my name, addresses, late closed account, charge-off, unauthorized inquiries, and public record on my credit report. 

*Contact the respective creditors, collection agencies, and entities responsible for the inaccuracies to verify the information. 

*Correct the erroneous information on my credit report to accurately reflect my true credit history. 

*Provide me with a written response outlining the results of your investigation and the corrective actions taken.

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 2023-09-12 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: TX

Complaint narrative:
I am writing to make a several attempt to dispute and request the deletion of multiple fraudulent and inaccurate items on my credit report, which are causing substantial harm to my financial reputation. These items include an inaccurate name, incorrect addresses, late closed accounts, charge-offs, unauthorized inquiries, and a public record, all of which I believe have been reported in error. 

Here are the details of the fraudulent and inaccurate items that I am disputing as well as needs to be delete : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$67000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$68000.00} XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX It is crucial to emphasize that these inaccuracies are not a true reflection of my credit history. The incorrect name, addresses, late closed account, charge-off, unauthorized inquiries, and public record claims are all disputed, as they have caused significant damage to my financial reputation. I have never authorized or consented to the inquiries from the entities mentioned above, and I dispute the late closed account and charge-off claims as I have made efforts to resolve these issues, with supporting documentation. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate disputed items on a credit report and provide me with the results of your investigation within 30 days of receiving a dispute letter. Therefore, I kindly request that you : *Conduct a thorough and exhaustive investigation into the accuracy of my name, addresses, late closed account, charge-off, unauthorized inquiries, and public record on my credit report. 

*Contact the respective creditors, collection agencies, and entities responsible for the inaccuracies to verify the information. 

*Correct the erroneous information on my credit report to accurately reflect my true credit history. 

*Provide me with a written response outlining the results of your investigation and the corrective actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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: FL

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report. Thank you. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-12 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-12 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: GA

Complaint narrative:
I am deeply concerned about Equifax 's noncompliance with the Fair Credit Reporting Act ( FCRA ). Specifically, they have disregarded my request for the removal of inaccurate accounts from my credit report, in direct violation of federal law. 

The problematic account details are as follows : ACCOUNT : XXXX XXXX XXXX XXXXXXXX - {$8800.00} - XX/XX/2020 I have informed Equifax multiple times about the inaccuracies in this account. They persist in reporting incomplete and incorrect information. Federal law mandates that consumer reports maintain maximum possible accuracy, per 15 USC 1681e ( b ), defined as " correct in all details ; exact. '' Equifax 's reporting falls short of this standard.

Furthermore, 15 USC 1681i ( 6 ) requires Equifax to notify me of the results of a reinvestigation within five business days, but they have failed to do so.

As the original creditor, I alone can validate this debt, which I do not. Hence, I demand the immediate deletion of these accounts from my consumer report.

I respectfully request CFPB intervention to ensure Equifax 's compliance with federal law : Conduct a thorough reinvestigation.

Provide written notice of results within the required timeframe.

Delete inaccurate and incomplete account information promptly.

Your involvement is crucial to rectify this matter, protect my consumer rights, and hold Equifax accountable for FCRA violations.

Also as I stated before Equifax actions seem like they careless or disregard the CFPB and federal law. As I stated before I am the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 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: GA

Complaint narrative:
I am deeply concerned about Equifax 's noncompliance with the Fair Credit Reporting Act ( FCRA ). Specifically, they have disregarded my request for the removal of inaccurate accounts from my credit report, in direct violation of federal law. 

The problematic account details are as follows : ACCOUNT : XXXX XXXX XXXX XXXX - {$8800.00} - XX/XX/2020 I have informed Equifax multiple times about the inaccuracies in this account. They persist in reporting incomplete and incorrect information. Federal law mandates that consumer reports maintain maximum possible accuracy, per 15 USC 1681e ( b ), defined as " correct in all details ; exact. '' Equifax 's reporting falls short of this standard.

Furthermore, 15 USC 1681i ( 6 ) requires Equifax to notify me of the results of a reinvestigation within five business days, but they have failed to do so.

As the original creditor, I alone can validate this debt, which I do not. Hence, I demand the immediate deletion of these accounts from my consumer report. 

I respectfully request CFPB intervention to ensure Equifax 's compliance with federal law : Conduct a thorough reinvestigation.

Provide written notice of results within the required timeframe. 
Delete inaccurate and incomplete account information promptly. 
Your involvement is crucial to rectify this matter, protect my consumer rights, and hold Equifax accountable for FCRA violations. 

Also as I stated before Equifax actions seem like they careless or disregard the CFPB and federal law. As I stated before I am the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately :

Company response to consumer: Closed with non-monetary relief