vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 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:
I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


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 2022-07-21 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:
make my payments on time and had a stellar payment with this company. But upon checking my updated Credit Report, I noticed that this account is reporting erroneous information on my Credit File. I have been sending multiple letters to the Credit Bureaus requesting that they investigate and correct this erroneous reporting. But despite all my efforts to communicate with the Credit Bureaus, I came to a conclusion that the Credit Bureaus have been ignoring my letters by not updating this account. I am now submitting this complaint through the CFPB in hopes that the Credit Bureaus would take action andpay heed to my disputes in order to correct this errneous reporting. 
XXXX XXXX Balance Owed : {$920.00} Date Opened : 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 explanation
Consumer complaint received 2022-07-21 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: MD

Complaint narrative:
I am sending this complaint because I still believe there are some errors on my credit. I would like Credit Bureaus to verify the information below and verify that its not untimely, inaccurate, unverifiable, or incomplete. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) Please evaluate the following items : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$470.00} ; NOXXXX XXXX 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 2022-07-21 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:
I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I have asked Barclays Bank Delaware multiple times via certified mail to fix two credit reporting issues for this account : 1. There is an inaccurate " CO '' code on the XXXX payment history for this account listed for XX/XX/XXXX, despite the fact that the account was settled at {$0.00} in XX/XX/XXXX. Under the Fair Credit Reporting Act, accounts that have been settled should no longer display any new payment history codes. Any payment codes posted after XX/XX/XXXX are considered re-aging the debt, a serious violation of the FCRA under Section 623 ( 5 ) ( A ).

2. The " Delinquency First Reported '' date on my XXXX report says " XX/XX/XXXX '' -- which is impossible since it was settled at {$0.00} in XX/XX/XXXX, with XXXX activity since then. This field should say XXXX XXXX, XXXX. Again, this is an illegal act of " re-aging '' the debt. 

Barclays alleges that this information is correct when it is obviously, and illegally, wrong. See attached letter dated XX/XX/XXXX. 

If Barclays can not report this account accurately after multiple disputes sent with full documentation, they must delete the trade-line from my credit reports entirely.

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 2022-07-21 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:
I am submitting this complaint to remind the Credit Bureaus of their obbligation to comply with the Fair Credit Reporting Act section 605b. I have read that the Credit Bureaus are required to remove the items that resulted due to identity theft under the FCRA section 605b. But despite all my efforts to dispute the fraudulent information on my Credit Report, the Credit Bureaus have been ignoring my letters and did not comply with the FCRA regulation. I am inclined to pursue legal action against the Credit Bureaus if the Credit Bureaus fail to comply with the FCAR statute. I need the Credit Bureaus to remove the following items completely from my Credit report : 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

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 2022-07-21 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:
writen letters sent requesting that the Credit Bureaus remove the following inquiries from my Credit Report. Nevertheless, the Credit Bureuas consciously denied and neglected the letters I sent which is a clear violation of the FCRA regultions. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling my requests should result in immediate removal of the unauthorized inquiries below : XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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:
I am sending this complaint because I still believe there are some errors on my credit. I would like Credit Bureaus to verify the information below and verify that its not untimely, inaccurate, unverifiable, or incomplete. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) Please evaluate the following items : XXXX XXXX Balance Owed : {$0.00} 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 2022-07-21 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: MD

Complaint narrative:
I am sending this complaint because I still believe there are some errors on my credit. I would like Credit Bureaus to verify the information below and verify that its not untimely, inaccurate, unverifiable, or incomplete. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) Please evaluate the following items : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: NC

Complaint narrative:
It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
My mother XXXX XXXX was told by a rep from XXXX XXXX  that if she got their services she would not have an electric bill and more and just make her loan payments reg loan payments which are XXXXWe were told wishing 60 days the panels would be up and running, till this day the project isn't complete and our roof was damaged plus we have been paying both electric and loan payments since this started in XXXX of XXXXFrom the time the contract was singed we asked for a copy and could not get one.We had to get an attorney to give us a copy of the solar power contract, just a little bit before that we got a copy of the goodleap contract.We asked and waited and waited.We found that there was an erroneous email listed on both contracts which is why we did not receive then until mush later.The loan company gave no explanation as to who's email address it is and who gave it to them.There was an erroneous yahoo address that had my mothers name in it, we have never seen it ond no one could tell us who gave it to them.The solar power company claimed it was pulled from the electric company contract which was false.the electric company contract had the correct one on it.That means someone put this address that they had access to on my mothers contracts and had been getting her emails. THESE PEOPLE ARE FRAUDS AND WE WANT LEGAL ACTION TAKEN. THEY CAN NOT TELL US HOW THIS HAPPENED. CONVENIENTLY THE 3-DAY CANCELLATION PERIOD WAS UNKNOWN TO US UNTIL WE FINALLY RETRIEVED IT, HAD PASSED. WE WANT THE CONTRACT ELIMINATED, THESE GUYS ARE CON ARTISTS.ALSO, WE LATER FIND OUT THAT AFTER 18MO PAYMENTS GO UP TO {$450.00}, WHICH WE WOULD NOT HAVE MOVED FORWARD WITH HAD WE HAD OUR CONTRACT TO REVIEW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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:
writen letters sent requesting that the Credit Bureaus remove the following inquiries from my Credit Report. Nevertheless, the Credit Bureuas consciously denied and neglected the letters I sent which is a clear violation of the FCRA regultions. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling my requests should result in immediate removal of the unauthorized inquiries below : XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/20XXXX 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 2022-07-21 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: FL

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXX XXXX Dates 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 2022-07-21 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: FL

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXX XXXX Dates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXX XXXX Dates 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 2022-07-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Between XX/XX/XXXX thur XX/XX/2022, I have been experiencing difficulties, with Equifax information services about blocking information due to fraud on my equifax credit report. I have sent ( by mail ) copies of 1. FTC AFFIDAVIT/POLICE REPORTS 2. PROFF OF IDENTITY. 3. AND OTHER RELATED DOCUMENTS AS IDENTITY UNDER FCRA SECTION 15 U.S.C.1681a -g. The sole purpose of that was to block and remove the remaining 3 FRAUDULENT ACCOUNTS 1. XXXX XXXX XXXX 2. XXXX XXXX  3. XXXX  XXXX, and XXXX HARD IQURIES. Although, Equifax information services will not comply by the FTC LAW, THE CUSTOMER SERVICES REPEPS ARE TERRIBLE, NEED MORE AMERICANS, I tell you that, they have all the documents needed to block these fraud accounts and inquiries, with ( once again ) all the information, I have attached all the documents I mailed to Equifax information services including the XXXX XXXX. Furthermore, it has been over 4 business days and the fraudulent accounts and hard Inquiries are still on my equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: FL

Complaint narrative:
make my payments on time and had a stellar payment with this company. But upon checking my updated Credit Report, I noticed that this account is reporting erroneous information on my Credit File. I have been sending multiple letters to the Credit Bureaus requesting that they investigate and correct this erroneous reporting. But despite all my efforts to communicate with the Credit Bureaus, I came to a conclusion that the Credit Bureaus have been ignoring my letters by not updating this account. I am now submitting this complaint through the CFPB in hopes that the Credit Bureaus would take action andpay heed to my disputes in order to correct this errneous reporting. 
XXXX XXXX Balance Owed : {$920.00} Date Opened : 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 2022-07-21 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: FL

Complaint narrative:
make my payments on time and had a stellar payment with this company. But upon checking my updated Credit Report, I noticed that this account is reporting erroneous information on my Credit File. I have been sending multiple letters to the Credit Bureaus requesting that they investigate and correct this erroneous reporting. But despite all my efforts to communicate with the Credit Bureaus, I came to a conclusion that the Credit Bureaus have been ignoring my letters by not updating this account. I am now submitting this complaint through the CFPB in hopes that the Credit Bureaus would take action andpay heed to my disputes in order to correct this errneous reporting. 
XXXX XXXX Balance Owed : {$920.00} Date Opened : XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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:
I am submitting this complaint to remind the Credit Bureaus of their obbligation to comply with the Fair Credit Reporting Act section 605b. I have read that the Credit Bureaus are required to remove the items that resulted due to identity theft under the FCRA section 605b. But despite all my efforts to dispute the fraudulent information on my Credit Report, the Credit Bureaus have been ignoring my letters and did not comply with the FCRA regulation. I am inclined to pursue legal action against the Credit Bureaus if the Credit Bureaus fail to comply with the FCAR statute. I need the Credit Bureaus to remove the following items completely from my Credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2015 XXXX  XXXX Balance Owed : {$8600.00}

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