vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 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: NV

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 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 non-monetary relief
Consumer complaint received 2023-01-30 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: GA

Complaint narrative:
I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 

This notice is to inform you that unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2023-01-30 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:
When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be updated from erroneous reporting in my file. 

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 2023-01-30 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:
When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be updated from erroneous reporting in my file. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tesla, Inc.
State: AZ

Complaint narrative:
I had Tesla install solar panels on my house. When they installed the panels I financed a loan directly through Tesla for 50 % and put 50 % down. 

I have decided to sell my house so I need to payoff the loan and get the XXXX removed from my house. 

On XX/XX/XXXX Tesla sent my a pay off quote and on XX/XX/XXXX I wired {$15000.00} as required by the payoff quote. 

Since wiring the money to Tesla they won't update my account showing I paid and they will not even say they received the money. Tesla won't acknowledge that I paid and are still charging me the month payment amount. 

I call Tesla nearly daily and they say it is processing. When I first for the pay off quote they said it would take 5 business days to process, not 60+ days. 

This is preventing me from sell my house and as of now it just looks like Tesla stole {$15000.00} from me. 

I have already had a buyer walk away because I couldn't prove the loan was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 

This notice is to inform you that unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc
State: MD

Complaint narrative:
XXXX called me a few months back stating that I didnt pay loans that were taken out. However, I do not directly deal with XXXX  through the application. 3 loans XXXX XXXX XXXX XXXX XXXX ) were taken out under my account. I have submitted bank statements, my personal accounts for XXXX and XXXX detailing that I do not own those loans, and I even took pictures of my credit/banking cards showing that I do not own them. I never received notification about any loans that were taken out and XXXX has pushed off the multiple complaints that I have made even with my proof. The companies solely couldnt help me. One XXXX  rep told me to screen shot as much as I could but this has yet to help and now I have been referred to 3 different debt agencies. Im all out of options and I refuse to be responsible for a debt that I didnt incur. If someone can please finally help me I would greatly appreciate it. The last time I actually went through the XXXX  app to make a purchase was XX/XX/2022. XXXX XX/XX/2022 {$93.00XXXX XXXX  XX/XX/2022 {$830.00} XXXX XX/XX/2022 {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: IN

Complaint narrative:
Have worked with XXXX XXXX, XXXX, and Equifax regarding information that is outdated, incorrect balances, and a mortgage that was paid in full. This includes slimly companies who do " rental checks '' and claim they have the correct information, when in fact, it is inaccurate and there was a freeze on the account to obtain the information without consent. 

XXXX provided a letter to me indicating the information was inaccurate and that XXXX XXXX, XXXX, and Equifax never called them about an investigation or that the right information would have been given. 

When paying off my mortgage ahead of time, all three credit bureaus have REMOVED the paid-off mortgage from their reports - a vital piece of information that they utilize in their so-called " credit '' algorithms. 

When paying off a car loan in advance due to an inheritance- they still have retained the wrong information about the loan and when submitting paperwork with the pay-off- they ignored the correct information. 

These " valid companies '' need to be brought before the proper Senate and House Committees in public to explain their faulty management, irregular algorithms, and why they remove vital information such as paid-off mortgages and car loans. 

Too much power over individuals ' credit has been given to these XXXX credit bureaus and now outside companies, such as rental application companies, who have no experience in credit determination, nor do they give a valid reason for denial or request correct information and use that for corrections. 

They NEVER believe the consumer who has documentation, the " investigators '' ignore true FACTS to engage in Anti-Trust schemes controlling the loan and banking markets with inaccurate and false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: IN

Complaint narrative:
Have worked with XXXX XXXX, Experian, and XXXX regarding information that is outdated, incorrect balances, and a mortgage that was paid in full. This includes slimly companies who do " rental checks '' and claim they have the correct information, when in fact, it is inaccurate and there was a freeze on the account to obtain the information without consent. 

XXXX provided a letter to me indicating the information was inaccurate and that XXXX XXXX, Experian, and XXXX never called them about an investigation or that the right information would have been given. 

When paying off my mortgage ahead of time, all three credit bureaus have REMOVED the paid-off mortgage from their reports - a vital piece of information that they utilize in their so-called " credit '' algorithms. 

When paying off a car loan in advance due to an inheritance- they still have retained the wrong information about the loan and when submitting paperwork with the pay-off- they ignored the correct information. 

These " valid companies '' need to be brought before the proper XXXX and House Committees in public to explain their faulty management, irregular algorithms, and why they remove vital information such as paid-off mortgages and car loans. 

Too much power over individuals ' credit has been given to these XXXX credit bureaus and now outside companies, such as rental application companies, who have no experience in credit determination, nor do they give a valid reason for denial or request correct information and use that for corrections. 

They NEVER believe the consumer who has documentation, the " investigators '' ignore true FACTS to engage in Anti-Trust schemes controlling the loan and banking markets with inaccurate and false information.

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 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank XXXX XXXX issue, from XX/XX/XXXX till XX/XX/XXXX. Chase has the XXXX XXXX for lost luggage per the policy XXXX XXXX. After 8 months working with Chase on the claim, they closed said there is no losXXXX XXXX XXXX for carry on but per the policy guide there is. I would like to have this claim of {$1400.00} paid by chase under the policy protections. 
Claim Number : XXXX Claim Type : XXXX XXXX XXXX Incident Date : XX/XX/XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-30 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.

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 2023-01-30 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: GA

Complaint narrative:
I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 

This notice is to inform you that unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2023-01-30 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: LA

Complaint narrative:
See attached ID report. I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me!! Please remove these accounts

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 2023-01-30 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: LA

Complaint narrative:
See attached ID report. I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me!! Please remove these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-30 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: CT

Complaint narrative:
I filed an FTC Identity Theft report in XXXX, XXXX. I sent this information to all credit bureaus. Some accounts were removed, most were not. All disputed accounts are not mine. I direct you to remove all ( attached ) disputed accounts as originally requested. I will list them here to clarify the accounts I am disputing as not mine : XXXX XXXX : Open Date XX/XX/XXXX, XXXX  XXXX : Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  : Open Date XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/XXXX, XXXX  XXXX : Open Date XX/XX/XXXX ... Many violations of federal law have occurred in the last 5 months. These are also attached. In your response, please provide the written instructions I gave you in conjunction with 15 U.S. Code 1681b ( a ) ( 2 ). If you do not have my written instructions, this is a violation of 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ) and 15 U.S. Code 1611 ( Criminal liability for willful and knowing violation ). More violations are highlighted in the attachment. I demand immediate removal of all accounts noted both in this compliant and in the attached documents or I will sue you in Federal Court for defamation of character.

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 2023-01-30 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: CT

Complaint narrative:
I filed an FTC Identity Theft report in XXXX, XXXX. I sent this information to all credit bureaus. Some accounts were removed, most were not. All disputed accounts are not mine. I direct you to remove all ( attached ) disputed accounts as originally requested. I will list them here to clarify the accounts I am disputing as not mine : XXXX XXXX : Open Date XX/XX/XXXX, XXXX  XXXX : Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  : Open Date XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX : Open Date XX/XX/XXXX, XXXX  XXXX : Open Date XX/XX/XXXX ... Many violations of federal law have occurred in the last 5 months. These are also attached. In your response, please provide the written instructions I gave you in conjunction with 15 U.S. Code 1681b ( a ) ( 2 ). If you do not have my written instructions, this is a violation of 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ) and 15 U.S. Code 1611 ( Criminal liability for willful and knowing violation ). More violations are highlighted in the attachment. I demand immediate removal of all accounts noted both in this compliant and in the attached documents or I will sue you in Federal Court for defamation of character.

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 2023-01-30 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:
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 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 non-monetary relief
Consumer complaint received 2023-01-30 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: CA

Complaint narrative:
I sent a letter on XX/XX/2023, to remove some items that are UNKNOWN to me. I require you to remove/block any 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 Balance : {$0.00} Ive already included this in my previous Complaint & I am including it again.,

Company response to consumer: Closed with explanation