vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 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: OH

Complaint narrative:
XXXX is reporting false information on my credit report. In order to keep my credit to report an accurate higher score.

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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please remove outdated information from credit report, information is inaccurate and outdated, this is stopping me from progress, This is not my first time contacting you all about this, thank you to whoever can help! God bless you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please remove outdated information from credit report, information is inaccurate and outdated, this is stopping me from progress, This is not my first time contacting you all about this, thank you to whoever can help! God bless you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please remove outdated information from credit report, information is inaccurate and outdated, this is stopping me from progress, This is not my first time contacting you all about this, thank you to whoever can help! God bless you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please remove the negativity immediately. 
XXXX XXXX PL XXXX XXXX, NY XXXX. 
XXXX XXXX XXXX XXXX XXXX, NY 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 2022-08-05 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: NY

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please remove the negativity immediately. 
XXXX XXXX PL XXXX XXXX, NY XXXX. 
XXXX XXXX XXXX XXXX XXXX, NY 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 2022-08-05 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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please remove the negativity immediately. 
XXXX XXXX PL XXXX XXXX, NY XXXX. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX

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 2022-08-05 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: NY

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please remove the negativity immediately. 
XXXX XXXX PL XXXX XXXX, NY XXXX. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX

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 2022-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive contacted Transunion on numerous occasions about the accounts theyre reporting on my credit file. They seem to fell to supply me with the needed verification of theyre investigation and reinvestigation due to the fact of them not accurately and throughly conducting the proper investigation and reinvestigation. 

Outside of you guys forwarding my dispute letter to creditors how are you investigating the accuracy of the accounts in question? 

I last sent in dispute about accuracy of accounts XX/XX/2022 I have yet to get any response. 

It appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this last attempt to have these errors corrected on my consumer report. 15 USC 168li ( A.5 ) says that after the reinvestigation all of the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated.

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 2022-08-05 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The past 3 hits or more on my account have been from a workers credit union account I have co-signed with my father. He has been paying it and has also filed a petition to remove it from his credit report as well because it says the account is delinquent when it has not been in the past year.

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 2022-08-05 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: Chime Financial Inc
State: MA

Complaint narrative:
The past 3 hits or more on my account have been from a workers credit union account I have co-signed with my father. He has been paying it and has also filed a petition to remove it from his credit report as well because it says the account is delinquent when it has not been in the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-08-05 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: TX

Complaint narrative:
Equifax XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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 the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX OF XXXX XXXX, XXXX OF 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 2022-08-05 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: NY

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX OF XXXX XXXX, XXXX OF 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 2022-08-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX BK XXXX XXXX XXXXXXXX, BK XXXX XXXX XXXXXXXX

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 2022-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I've asked Nelnet several times for my Master Promissory Note and they keep sending me everything but that. I've emailed and called with no avail. I just want them to show me my original loan amounts. I have a Joint Spousal Consolidation Loan with my XXXX XXXX ex-husband and I need to see how much I actually owe so that I can figure out a way to separate these loans to finally be free.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
SEE ATTACHED DOCUMENTS

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 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Consumer Financial Services Solutions, Inc.
State: CA

Complaint narrative:
I signed up with Beyond Finance XX/XX/XXXX because they claim they would help me consolidate my outstanding balances, because things were tight and Covid had just started and things were shutting down so I was unsure of the outcome and I was never late on payments I had with creditors. 
I was unaware of the impact it would cause. 
Now, I have many charge offs because They instructed me to stop paying. They would try and settle with the credit card companies and upon completion of the settlement, they would report paid as agreed. 
Throughout the process, I was charged massive amounts of money that off the top was paid to Beyond for fees. The payments agreed to was minimal and some would increase when one was complete. 
However, in XX/XX/XXXX there was a miscommunication and they refunded. 
{$590.00} a portion of my deposit. After speaking to several people there my deposit was put back in the account. 
Once the account was restored thee initial XXXX  accounts fell off. I had been charged $ {$7400.00} in fees settled amount {$19000.00} paid {$8100.00} balance due $ {$11000.00} not to include book fees of {$10.00} ea moXXXX {$14.00} ea mo  ( legal ) and as of today those accounts are still open. 
5 accounts have been paid off.Fees charged {$1500.00} settled amount {$4200.00} When reviewing my credit report all I see are charge off. Some XXXX balance and ones that fell through the crack has me owning much more. I have exhausted myself trying to pay this and to no avail. 
I need assistance. Creditors are still calling several times a day. I forward to Beyond but they are still calling me. I have not stopped as yet because I have invested so much and I have also paid off some of the accounts that were included in that agreement myself because they wound stop. I don't know what to do. {$10000.00} and I've paid {$6700.00} owning a balance of {$3400.00} to date making arrangements with companies. 
And finally, I still have 3 Creditors that have were included in that agreement myself because they wound stop. I don't know what to do. {$10000.00} and I've paid {$6700.00} owning a balance of {$3400.00} to date making arrangements with companies. 
And finally, I still have 3 Creditors that have not been spoken to. I have all agreements receipts and confirmation of payments. I am tapped out!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-08-05 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX have both violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 it also states : " A consumer reporting agency can not furnish an account without my WRITTEN instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
When I first got the XXXX XXXXXXXX credit card the XXXX XXXXXXXX app was not the best to use, it was difficult to use, and the payments didn't show up for weeks, It was getting me confused, I always had auto pay on for all my cards and loans, but somehow on XXXX XXXX they accused me of 5 late payments and they closed my account, however, I fully paid the balance and even the late fees that were not my fault, difficult to use the software was the problem, and another problem on the back end of XXXX XXXXXXXX by not sending me statement bills, payment bills, and even auto pay function was not working properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-08-05 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: VA

Complaint narrative:
Equifax has violated my privacy and has solicited and sold my informations unknowing and unwillingly. Todays date is XX/XX/XXXX and the prior week it has been reported that equifax has falsely reported credit reports in the years of 2020 and forward especially in the timing of real estate boom. I have not given permission to use or view any information dealing with my credit and want to take legal action

Company response to consumer: Closed with explanation