vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This has been reported to trans union, XXXX, and XXXX XXXX different times. 

On XXXX XXXX I was in a car accident. On XXXX XXXX XXXX XXXX sent XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX A check for {$12000.00} Inwich was the balance that was owed on the car. XXXX XXXX has confirmed that this balance has been paid off but these credit bureaus do not want to do there job and correct there mistake. These credit bureaus with there actions keeps costing me thousands of dollars because they do not know what they are doing and they keep screwing up my credit report when they do not do there job. I have attached a XXXX receipts from 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 2021-11-29 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: FL

Complaint narrative:
Portfolio Recovery Services has me in collection with the wrong DOFD and a different amount that I was not able to pay the original creditor. I have disputed these mistakes more than 10 times to all the credit bureaus. XXXX and XXXX refuse to investigate this error and it is financially harming me. 

The actual DOFD was in XX/XX/XXXX according to XXXX XXXX report. XXXX has my DOFD as of XX/XX/XXXX. Portfolio Recovery Services has an account opening date of XX/XX/XXXX. The original amount past due was {$1600.00}, Portfolio Recovery is requesting me to pay {$1900.00}. I have tried to contact them and they do not reply. I have contacted the credit bureaus and as I mentioned they send me a computerized form that says the information on the credit report is right. The bureaus are not investigating this issue, I have personally called the credit bureaus and I am told it would be removed but nothing happens. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This has been reported to XXXX XXXX, equifax, and XXXX XXXX different times. 

On XXXX XXXX I was in a car accident. On XXXX XXXX XXXX XXXX sent XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX A check for {$12000.00} Inwich was the balance that was owed on the car. XXXX XXXX has confirmed that this balance has been paid off but these credit bureaus do not want to do there job and correct there mistake. These credit bureaus with there actions keeps costing me thousands of dollars because they do not know what they are doing and they keep XXXX up my credit report when they do not do there job. I have attached a XXXX receipts from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This has been reported to XXXX XXXX, XXXX, and experian XXXX different times. 

On XXXX XXXX I was in a car accident. On XXXX XXXX XXXX XXXX sent XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX A check for {$12000.00} Inwich was the balance that was owed on the car. XXXX XXXX has confirmed that this balance has been paid off but these credit bureaus do not want to do there job and correct there mistake. These credit bureaus with there actions keeps costing me thousands of dollars because they do not know what they are doing and they keep XXXX up my credit report when they do not do there job. I have attached a XXXX receipts from 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 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Hello, I have hard inquiries on my acct that do not belong they are listed below. I would like them removed because they do not belong on my credit report. 
XXXX - CITIBANK NA, XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I received a letter dated XX/XX/XXXX from Receivables Performance Management LLC ( RPM ) alleging that I owe a debt in the amount of {$1900.00}. The letter identifies XXXX XXXX XXXX XXXX ( XXXX ) as the creditor and XXXX XXXX XXXX ( XCL ) as the original creditor. I have never received any demand for money or allegation of debt from either XXXX or XXXX. I have never done business or had any contact with XXXX. ( Details regarding XXXX will follow the next paragraph. ) In my XX/XX/XXXX reply letter to RPM, I expressly disputed the validity of the alleged debt in its entirety and demanded, among other things, a full explanation of the factual circumstances in support of the alleged debt, specifically how and when the debt was created. I also demanded a copy of all documents that prove the existence of the debt. In its XX/XX/XXXX reply letter, RPM fails to respond to any of my demands, but instead simply breaks up the alleged amount of {$1900.00} into components, and changes the alleged original creditor from XXXX to XXXX. 

I recognized the name XXXX as a XXXX for XXXX XXXX, an auto-leasing business associated with XXXX XXXX XXXX XXXX XXXX XXXX ) but is now defunct. I leased a vehicle from XXXX in XX/XX/XXXX ( a two-year lease ) XXXX XXXX for XXXX. When I leased the vehicle, I was told by XXXX that I could terminate the lease at any time without penalty, except XXXX would keep my security deposit ( which I believe was around {$250.00} ). At some time near the end of XXXX, XXXX unexpectedly terminated the lease unilaterally and demanded immediate return of the vehicle, without explanation. All monthly balances under the lease had been fully paid. XXXX again told me that I would not be responsible to pay any amount for the remainder of the lease, and that XXXX would keep my security deposit. I returned the vehicle to XXXX in XX/XX/XXXX. I requested but did not receive written acknowledgement that the vehicle was returned and I was not responsible for any more payments. XXXX never contacted me again, and never alleged that I owed them any debt. The XX/XX/XXXX debt collection letter from RPM is the first communication I have received from any party relating to the XXXX XXXX since I returned the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express and I entered into a Financial Relief Payment Arrangement where I agreed to pay a monthly amount and they would not report the account as delinquent or incur any late fees. I have attached a copy of the agreement as well as the statements from the months where they have indicated I was 30 days late which is XX/XX/2021, XX/XX/2021 and XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: NV

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29 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: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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:
Experian failed to provide BY MAIL my request for documents proving these XXXX lease accounts from XXXX XXXX are mine. They are not and they can not prove them as mine. They are willfully being non compliant by violating FCRA, not responding to me in a timely manner and providing the documents I requested. This is nonsense and unacceptable. I know my rights and I will if necessary take the needed steps to sue them, and file a complaint against XXXX for not doing its job enforcing FCRA. 

XXXX accounts : XXXX and 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 2021-11-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian removed XXXX open installment accounts ( auto loan /personal loan ) from my credit bureau XXXX are active, open and paid on time. Experian do not provide accurate date of first delinquent payment for removal of derogatory account ( XXXX ). Experian, XXXX XXXX XXXX did not verify late payments in each dispute submit to data furnisher. The XXXX credit reporting agencies does report XXXX separate late payments without validation. Experian, XXXX XXXX, XXXX will not provide me with verification methods to support required accurate or complete data to validate inaccurate late payments. Experian, XXXX XXXX, XXXX ignored my rights to have/see the complete re-verification method requested. On each separate dispute that involved several derogatory credit reports that cause me distress and headaches every day affect my personal life balance, credit well-being are immediately impacting my home ownership abilities the right to a quality of life cause damage to manage my personal and business 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 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Hello, I have hard inquiries on my acct that do not belong they are listed below. I would like them removed because they do not belong on my credit report. 
XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - Capital One - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: VW Credit
State: CA

Complaint narrative:
Hello there, I had spoke with Audi regarding this concern where Ive had auto pay set up and was never Deliquent on the account. 

I got only XXXX calls with no voicemails, no paper mail or any documentation and it said I was Deliquent when I was not? 

I have the payment of confirmation from chase when I had submitted the payment however Audi still said I was late and reflected on my credit report? 

Please, please can I have this issue resolved and fixed? I am crying over this and am so XXXX. I have never been late and this is unfair, I made my payment and am begging for this to be fixed. 

Also I am always facing an issue when logging in, I never can login nor do I get any paper mail?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX removed XXXX open installment accounts ( auto loan /personal loan ) from my credit bureau that are active, open and paid on time. XXXX do not provide accurate date of first delinquent payment for removal of derogatory account ( XXXX ). XXXX, Trans Union XXXX did not verify late payments in each dispute submit to data furnisher. The XXXX credit reporting agencies does report XXXX separate late payments without validation. XXXX, Trans Union, XXXX will not provide me with verification methods to support required accurate or complete data to validate inaccurate late payments. XXXX, Trans Union, XXXX ignored my rights to have/see the complete re-verification method requested. On each separate dispute that involved several derogatory credit reports that cause me distress and headaches every day affect my personal life balance, credit well-being are immediately impacting my home ownership abilities the right to a quality of life cause damage to manage my personal and business 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 2021-11-29 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: NV

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek XXXX.

Company response to consumer: Closed with explanation