vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
It says I was late or bankrupt but I can't find any proof of that.You know those cases, Sarver v. Experian Information Solutions ( 2014 ) and Adams v. National Engineering Service Corp. ( 2006 )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX  Type : XXXX Status : Dismissed Reference # XXXX XXXX XXXX Amount : Date Filed/Reported : XXXX Closing Date : Liability : Exempt Amount : {$0.00} XXXX XXXX  XXXX Add a custom Message Type : XXXX Status : Dismissed Reference # : XXXX XXXX  Amount : Date Filed/Reported : XXXX Closing Date : Liability : Exempt Amount : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXXXXXX XX/XX/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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
It says I was late or bankrupt but I can't find any proof of that.You know those cases, Sarver v. Experian Information Solutions ( 2014 ) and Adams v. National Engineering Service Corp. ( 2006 )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Type : XXXX Status : Dismissed Reference # XXXX XXXX XXXX Amount : Date Filed/Reported : XXXX Closing Date : Liability : Exempt Amount : {$0.00} XXXX XXXX  XXXX Add a custom Message Type : XXXX Status : Dismissed Reference # : XXXX XXXX Amount : Date Filed/Reported : XXXX Closing Date : Liability : Exempt Amount : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX  XXXX XX/XX/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 2024-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-02-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates
State: OH

Complaint narrative:
This is not my account I have no knowledge of this account and they are reporting on my credit report without any not notification or communication to me. They are in violation of FDCPA rules and laws. This is not my account. I have never heard of it. There are rules before reporting on a credit report. They are in violation I have made them aware. 
I have never spoke with you. Or received the letter. You just put it on my credit report thats in violation of the FDCPA rules.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IA

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

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 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I discovered a credit card that was not opened by me on my credit reports. The credit card was an XXXX XXXX card through Bank of America. I never applied for a credit card through bank of America. The card was maxed out immediately with a debt for XXXX XXXX This debt was dismissed by Bank of America in XX/XX/XXXX for non-collection. I never received anything about this debt from Bank of America. There was an Ohio address on my credit report that was not mine. I have never lived in Ohio. I contacted XXXX and filed a dispute. The results of the dispute were that the debt would remain on my credit report. I called Bank of America and spoke with their fraud department and started a dispute. I am working with Bank of America to settle the dispute. I will receive info. in the mail to complete and return for Bank of America. In addition, I filed disputes with XXXX on XXXX XXXX and XXXX on XX/XX/XXXX. I put freezes and a credit report locks on my accounts with three credit report companies.

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 2024-02-08 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: RI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to XXXX and TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

XXXX : XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Account Number : XXXX Please remove it from my credit report. 

TransUnion : 1. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX Account Number : XXXX Please remove it 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 explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IA

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

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 2024-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Dont know the charges and how it got to collection without knowing it. Misrepresenting the nature of the debt, including the amount owed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I've asked Equifax to do an reinvestigation on the false information on my credit report fix it and send me a copy according to FCRA. they said they did a investigation, indicating they never investigated pryor to my asking which is a Consumer law violation. I have not received a copy until today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: IL

Complaint narrative:
I kindly request that you promptly remove the public record from my credit report and make the necessary adjustments. I have attached the required documentation to support my request, and I thank you for your swift action on this matter.

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 2024-02-08 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: IL

Complaint narrative:
I kindly request that you promptly remove the public record from my credit report and make the necessary adjustments. I have attached the required documentation to support my request, and I thank you for your swift action on this matter.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
XX/XX/2023 XXXX $ XX/XX/2023 XXXX $ XX/XX/2023 - XXXX $ XX/XX/2023 - XXXX $ XXXX XXXX $ XXXX XXXX $ Goldman Sachs Apple Credit Card I have disputed these charges multiple times within the past year. My old friends used my phone and email and cards to purchase stuff that I do not have in my possession. I do not know the name on the pickup. I do not even live close to the pickup locations of these products.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In early 2024, I discovered an entry on my credit report indicating a debt related to child support services. Surprised by this entry, as I had not been informed of any outstanding issues or debts by the Child Support Services of California, I immediately reached out to them for clarification. 

On XX/XX/2024, I contacted the Child Support Services of California to inquire if they had released any of my personal information to third parties, particularly to credit reporting agencies. The response from the agency, received on XX/XX/scrub>XX/XX/2024, was that they had not authorized the release of my personal information to any external entities. This raised serious concerns regarding the source and authorization of the data reported on my credit report. 

Following this, I reviewed my credit report details and noted that the entry regarding the child support debt was reported in XX/XX/scrub>XX/XX/2024, without any prior notification to me by the Child Support Services or the credit reporting agency. No specific amounts were disclosed in the initial report, and no prior communication had been made by the Child Support Services regarding any debt or the potential for reporting such information to credit bureaus. 

I took immediate action by filing a dispute with the credit reporting agency regarding the unauthorized entry on my credit report. As of the date of this complaint, I have not received a satisfactory resolution or explanation from either the Child Support Services of California or the credit reporting agency regarding the origin of this debt report, the authorization behind its reporting, or any steps being taken to rectify the unauthorized disclosure and reporting of my personal information. 

This situation has not only caused me unwarranted stress but has also potentially impacted my credit score and financial standing based on information that appears to have been reported without proper authorization or legal basis.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In early 2024, I discovered an entry on my credit report indicating a debt related to child support services. Surprised by this entry, as I had not been informed of any outstanding issues or debts by the Child Support Services of California, I immediately reached out to them for clarification. 

On XX/XX/2024, I contacted the Child Support Services of California to inquire if they had released any of my personal information to third parties, particularly to credit reporting agencies. The response from the agency, received on XX/XX/scrub>XX/XX/2024, was that they had not authorized the release of my personal information to any external entities. This raised serious concerns regarding the source and authorization of the data reported on my credit report. 

Following this, I reviewed my credit report details and noted that the entry regarding the child support debt was reported in XX/XX/scrub>XX/XX/2024, without any prior notification to me by the Child Support Services or the credit reporting agency. No specific amounts were disclosed in the initial report, and no prior communication had been made by the Child Support Services regarding any debt or the potential for reporting such information to credit bureaus. 

I took immediate action by filing a dispute with the credit reporting agency regarding the unauthorized entry on my credit report. As of the date of this complaint, I have not received a satisfactory resolution or explanation from either the Child Support Services of California or the credit reporting agency regarding the origin of this debt report, the authorization behind its reporting, or any steps being taken to rectify the unauthorized disclosure and reporting of my personal information. 

This situation has not only caused me unwarranted stress but has also potentially impacted my credit score and financial standing based on information that appears to have been reported without proper authorization or legal basis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief