vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-02 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 an inquiry on my credit report that I did not apply for on XX/XX/XXXX by XXXX ; The credit bureaus can not validate it and I already sent letters requiring to remove the inquiry but it hasn't been done yet. 
Negative account - XXXX XXXX XXXX XX/XX/XXXX Charge off - Holiday XXXX XXXX Vacations- 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 non-monetary relief
Consumer complaint received 2021-12-02 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX US DEPT ED XXXX US DEPT ED 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

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 2021-12-02 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: FL

Complaint narrative:
There is a student loan on my account. I did not attend XXXX XXXX XXXX. I should not have this debt on my credit report. There is a loan amount of XXXX on my credit report date of disbursement XXXX, XXXX XXXX and XXXX, XXXX XXXX. I have tried to dispute this matter but have been forced to pay and threatened that if I do not pay my wages would be garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
In the Matter of : Portfolio Recovery Associates, LLC On, XX/XX/2021, Portfolio Recovery Associates, added a derogatory mark on my XXXX, XXXX and XXXX credit report. Balance of {$600.00}. 
Upon further research, this account is not mine. Iam not responsible for the debt account. The Collection agency did not validate/verify this collection of debt. 
Also, there is not a written form of communication, a original contract with my written signature for this accused debt. A bill without a signature does not validate the date, anyone can send a bill saying I owe them. 
According to the FCRA, Portfolio Recovery Associates has violated my rights as a consumer, and I am requesting legal action thru your services to remove the account immediately. I dispute the debt account as no knowledge of account. 
Language in PRA 's purchase agreements puts PRA on notice that information in the Sale File might be inaccurate, incomplete, or otherwise unreliable. 
Initiating any XXXX XXXX XXXX unless in possession of the following : a. Original Account-Level Documentation reflecting, at a minimum, the Consumer 's name, the last XXXX digits of the account number associated with the Debt at the time of Charge-off, the claimed amount excluding any post Charge-off payments ( unless the claimed amount is higher than the Charge-off Balance or judgement balance, in which case Respondent must possess ( i ) Original Account-Level Documentation reflecting the Charge-off Balance and ( ii ) an explanation of how the claimed amount was calculated and why such increase is authorized by the agreement creating the Debt or permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$550.00} XXXX XXXX {$1300.00}

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 non-monetary relief
Consumer complaint received 2021-12-02 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 an inquiry on my credit report that I did not apply for on XX/XX/XXXX by XXXX ; The credit bureaus can not validate it and I already sent letters requiring to remove the inquiry but it hasn't been done yet. 
Negative account - XXXX XXXX XXXX XX/XX/XXXX Charge off - Holiday XXXX XXXX Vacations- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX XXXX XXXX Wrong Addresses : XXXXXXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX XXXX XXXXate Updated : XX/XX/2015

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 2021-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I keep applying for the card but I keep getting told that they arent al Blue to identify who I am. I have tried this on numerous occasions and have talked to representatives on numerous occasions. I am told that I do not know how to upload a copy of my ID into the system. However, this is the only credit application where I am required to do so, and I am denied as a result. No one in their right mind doesnt know how to upload a copy of their ID photo into a system in the year 2021. I have tried asking to speak to a supervisor, but no one contacts me back. My application is just denied. I believe that it's because my photo ID shows a XXXX face.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarMax, Inc.
State: MS

Complaint narrative:
On XXXX XXXX, 2021 while browsing cars on Carmax, the preapproval option was given. No where in the writing did it notate that the preapproval would be a hard pull and on top o that my credit was also pulled by XXXX XXXX as well as XXXX XXXX, without my knowledge or consent. Therefore this did cause my credit score to drop. I ask that these inquiries be removed immediately from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: TX

Complaint narrative:
I had a late payment on my XXXX XXXX credit card in XX/XX/2018 and i called and explained my problem to XXXX XXXX from XXXX XXXX  on XX/XX/XXXX at XXXXXXXX XXXX  and i was promised to remove late payment from all 3 credit bureau around XX/XX/XXXX. I pulled my credit and it was not updated so i disputed information and it came back as verified and information stays and correct. I called bank and asked for rep who helped me on XX/XX/XXXX and was told i they have no way to connect me to him. I filed a complaint with XXXX XXXX XXXX and person who handled my complaint wrote in response '' information stays and i was told in a letter dated XX/XX/XXXX '' which i never received in mail email or document section on my online account. letter a copy of that letter was mailed to me with a statement saying " I was told its not guaranteed to remove the negative information which i don't remember and additional narrative will be added to my credit file and will be seen by credit granters and if i wish to remove the narrative i write to them requesting and they will remove narrative and late payment stays. i rejected offer from XXXX XXXX to XXXX and i responded by saying i never heard of the XX/XX/XXXX letter till today and banks nationwide was closed as it was not only sunday but also our XXXX XXXX  and no way this letter can be written on that day and i suspect it was created and in retaliation and based of this fake latter you put additional narrative on my credit file so i cant get credit. Some other rep try to assist my XXXX complaint this time and she came to a decision that late payments stays and additional narrative was placed on my credit file as retaliation and given a statement as '' XXXX of XXXX fall on sunday we celebrated XXXX XXXX on XXXX of XXXX and not XXXX of XXXX so information is correct. ''

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 2021-12-02 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts 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 2021-12-02 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: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my report : ( XXXX XXXX XXXX, XXXX CARD XXXX, XXXX CARD XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 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: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Transunion. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my report : ( XXXX XXXX XXXX, XXXX CARD XXXX, XXXX CARD XXXX, XXXX CARD 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 2021-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
On XX/XX/2021 Cooling and Winter place a claim with the Magistrate Court of XXXX XXXX for a debt that I have no knowledge of. They claim that I am breach of a written agreement. I never receive the initial demand letter giving me the ability to dispute te debt and request validation. I have not been present with a copy of the signed agreement. Per my right under the FDCP I am requesting a validation of debt. I requesting validation of debt by providing a copy of the signed agreement. If unable to provide the copy of the signed agreement within the alloted time provide under the FDCPA, the debt must be consider invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian is reporting the address XXXX XXXX XXXX to my credit report and i do not live there. It belongs to my father with the same name

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 2021-12-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I know according to the Fair Credit Reporting act consumer reporting agencies have the sole responsibility in reporting 100 % accurate information. Upon looking over my credit report I noticed alot of inconsistencies that aren't 100 % accurate. 

Please Update my consumer report as follows...

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 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: MS

Complaint narrative:
On XXXX XXXX, 2021 while browsing cars on XXXX, the preapproval option was given. No where in the writing did it notate that the preapproval would be a hard pull and on top o that my credit was also pulled by Exeter Finance as well as XXXX XXXX, without my knowledge or consent. Therefore this did cause my credit score to drop. I ask that these inquiries be removed immediately from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
On XXXX XXXX, 2021 while browsing cars on XXXX, the preapproval option was given. No where in the writing did it notate that the preapproval would be a hard pull and on top o that my credit was also pulled by XXXX XXXX as well as Ally Financial, without my knowledge or consent. Therefore this did cause my credit score to drop. I ask that these inquiries be removed immediately from my XXXX 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 explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : 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 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am still harassed by XXXX XXXX with this pre-selected credit card offer after I opted out national DO NOT CONTACT. Please REMOVE me from all communications.

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 2021-12-02 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: NY

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Equifax Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : WESTERN XXXX {$3900.00} XXXX {$0.00}

Company response to consumer: Closed with explanation