vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 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 hope this message finds you well. I am writing to follow up on my previous requests regarding the deletion of fraudulent items from my credit report. This marks the numerous attempts to address this issue, and I am eager to see a resolution. 

I understand the complexities involved in investigating and rectifying such matters, but it is imperative that these fraudulent items are promptly removed from my credit report. Their presence not only inaccurately reflects my financial history but also poses a significant risk to my financial well-being. 

I kindly request an update on the status of my request and urge you to prioritize the deletion of these fraudulent items. Additionally, if there are any further steps I need to take or any additional information you require from my end, please do not hesitate to inform me. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX CARD XXXX Balance Owed : {$0.00} ; XXXX XX/XX/year> ; XXXX  XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX 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 Balance Owed : {$0.00}.

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 2024-04-18 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: NY

Complaint narrative:
Experian stated that the information was validated, how did they validate it when all CREDIT bureaus both lesser and major bureaus currently have security freezes on them? Also, how are they validating this debt especially when this debt was also charged off which means a XXXX was filed with the IRS and XXXX XXXX XXXX was paid via tax credit?

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 2024-04-18 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: NY

Complaint narrative:
I am writing to express my extreme dissatisfaction with Experian 's handling of a dispute letter and subsequent complaint I filed regarding inaccuracies on my credit report. Despite numerous attempts to resolve this matter in a timely and appropriate manner, I have been met with silence and neglect on the part of your company. 

On XX/XX/2024, I submitted a formal dispute letter to Experian regarding inaccuracies on my credit report. Attached you will find a copy of the original dispute for your reference. According to the Fair Credit Reporting Act ( FCRA ), Section XXXX, XXXX XXXX Code XXXX, Experian is obligated to investigate and respond to disputes within 30 days of receiving them. However, I have yet to receive any acknowledgment or response from Experian regarding my dispute. 

In light of Experian 's failure to respond to my dispute letter within the allotted time frame, I escalated the matter by filing a formal complaint on XX/XX/2024. I received confirmation of my complaint under ID XXXX, indicating that Experian 's XXXX was " in progress '' as of XX/XX/2024. Despite this acknowledgment, I have not received any further communication or resolution from Experian. 

It has now been well over the XXXX and XXXX periods stipulated by the FCRA, and Experian has XXXX to fulfill its legal obligation to investigate and respond to my dispute. This failure to comply with federal law is not only unacceptable but also indicative of Experian 's disregard for consumer rights and fair credit reporting practices. 

I am deeply concerned that Experian is abusing its power under the FCRA and failing to uphold its responsibilities as a credit reporting agency. This negligence has resulted in undue stress and financial uncertainty for me, as the inaccuracies on my credit report have the potential to impact my financial well-being and future opportunities. 

I demand that Experian promptly investigate my dispute and provide a comprehensive response in accordance with the FCRA. Furthermore, I expect Experian to take immediate corrective action to rectify any inaccuracies on my credit report and ensure that my rights as a consumer are fully protected. 

If Experian fails to address this matter satisfactorily within a reasonable time frame, I will have no choice but to pursue legal action to enforce my rights under the FCRA. I trust that Experian will take this matter seriously and prioritize the resolution of my dispute without further delay. 

I anticipate your prompt attention to this urgent matter and request confirmation of receipt of this letter. Please contact me at the earliest convenience to provide an update on the status of my dispute and complaint.

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 2024-04-18 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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/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

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 2024-04-18 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 recently reviewed a copy of my credit report and noticed I had fraudulent and unauthorized accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

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 2024-04-18 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: LA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent and unauthorized accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: OK

Complaint narrative:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: CA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00}

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 2024-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
please delete the following accounts and inquiries this is incorrect please tke it off immediately. I causing a lot for me. I will list all the negative accounts and inquiries Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance : {$320.00} Account Name : XXXXXXXX XXXX XXXXXXXX  Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$270.00} Account Name : XXXX XXXX XXXX  Account Number : XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$820.00} Account Name : XXXXXXXX XXXX XXXXXXXX  Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$270.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$820.00} Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$450.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance : {$2000.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance : {$900.00} Account Name : XXXX XXXX  Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$4100.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$920.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance : {$4600.00} Account Name : XXXX Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$1800.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$6100.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$1200.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance : {$50.00} XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX Inquiry : 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 2024-04-18 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: PA

Complaint narrative:
please delete the following accounts and inquiries this is incorrect please tke it off immediately. I causing a lot for me. I will list all the negative accounts and inquiries Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$320.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$270.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$820.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$270.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} Account Name : XXXX XXXX  Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$450.00} Account Name : XXXX XXXX  Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$2000.00} Account Name : XXXX XXXX  Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$900.00} Account Name : XXXX XXXX  Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$4100.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$920.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$4600.00} Account Name : XXXX  Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$1800.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$6100.00} Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$1200.00} Account Name : XXXX XXXX  Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$50.00} XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX 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 2024-04-18 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payment. I've attached a copy of my report to this complaint on the following date XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. Thank you for your assistance.

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 2024-04-18 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
Approximately XXXX ( XXXX ) months ago I received an e-mail notice from Synchrony Bank that they were closing my JCP account. I was never late/never past due/never over limit - no negatives. Reason given directed me to see what XXXX credit bureau file. 

Credit bureau referred me back to Synchrony Bank. 

Please note I had XXXX ( XXXX ) active retailer accounts with Synchrony Bank at that time. All paid on time/as agreed/no negatives. 

Synchrony Bank has not responded to my letter requesting reconsideration sent in XX/XX/year>. 

Synchrony Bank has not represented JCP in a favorable light. 
Seems very abritrary and discriminatory.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
these hard inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this well. thank! 

XXXX XXXX XXXX - DATE:XXXX XXXXXXXX XXXX - DATE : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: TX

Complaint narrative:
Good afternoon, it is XX/XX/XXXX and I have or had a loan with the XXXX XXXX XXXX for a vehicle loan on XX/XX/XXXX. which I gave the first payment on XX/XX/XXXX, XXXX which the next payment would be like this on the XXXX for 3 years. Which in the information that they themselves gave me says that the vehicle is already paid in full. I've been calling and they tell me that's the case but my credit has been at its worst. I have never said that I am not going to pay. The mistake is not mine, it is theirs from the beginning, so I demand that my credit be fixed in all the credit bureaus and thus they themselves can not fix what they themselves did. It hasn't stayed with me and I plan to catch up with the payments. And if it's already paid, tell me who paid for it. But they urge me to fix my credit as soon as possible because the fault here is not mine. Here I send a pleasant photo of when they tell me that the account has already been paid and they won't let me continue. Then I call on the phone and they tell me what I already mentioned here. thank you so much

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: TX

Complaint narrative:
Good afternoon, it is XX/XX/XXXX and I have or had a loan with the XXXX XXXX XXXX for a vehicle loan on XX/XX/XXXX. which I gave the first payment on XX/XX/XXXX, XXXX which the next payment would be like this on the XXXX for 3 years. Which in the information that they themselves gave me says that the vehicle is already paid in full. I've been calling and they tell me that's the case but my credit has been at its worst. I have never said that I am not going to pay. The mistake is not mine, it is theirs from the beginning, so I demand that my credit be fixed in all the credit bureaus and thus they themselves can not fix what they themselves did. It hasn't stayed with me and I plan to catch up with the payments. And if it's already paid, tell me who paid for it. But they urge me to fix my credit as soon as possible because the fault here is not mine. Here I send a pleasant photo of when they tell me that the account has already been paid and they won't let me continue. Then I call on the phone and they tell me what I already mentioned here. thank you so much

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 2024-04-18 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: Westlake Services, LLC
State: TX

Complaint narrative:
Good afternoon, it is XX/XX/XXXX and I have or had a loan with the Westlake Financial company for a vehicle loan on XX/XX/XXXX. which I gave the first payment on XX/XX/XXXX, XXXX which the next payment would be like this on the XXXX for 3 years. Which in the information that they themselves gave me says that the vehicle is already paid in full. I've been calling and they tell me that's the case but my credit has been at its worst. I have never said that I am not going to pay. The mistake is not mine, it is theirs from the beginning, so I demand that my credit be fixed in all the credit bureaus and thus they themselves can not fix what they themselves did. It hasn't stayed with me and I plan to catch up with the payments. And if it's already paid, tell me who paid for it. But they urge me to fix my credit as soon as possible because the fault here is not mine. Here I send a pleasant photo of when they tell me that the account has already been paid and they won't let me continue. Then I call on the phone and they tell me what I already mentioned here. thank you so much

Company response to consumer: Closed with explanation