vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 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: AZ

Complaint narrative:
Thank you for addressing some of the incorrect items on my file. However, there are still remaining items that need to be removed. According to FCRA section 605, you are required to remove any items listed in an Identity Theft Report. I am providing Identity Theft Report # XXXX. Under FCRA section 605B ( a ) ( 1 ) ( 2 ), you must remove any incorrect information from my file within XXXX business days of receiving : ( 1 ) appropriate proof of my identity; and ( 2 ) a copy of the identity theft report. Please ensure the removal of the following items : XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/2023 -- -- -- -- -- TransUnion : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$450.00}. I do not consent to XXXX or any automated verification methods. I expect your immediate attention to this matter and a response within XXXX business days.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute and contest the accuracy of certain account listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. The company sent the statements to the wrong address. I have taken proactive measures to address this discrepancy by contacting the respective company associated with this account. I am pleased to inform you that after thorough investigation, this company have acknowledged the errors and have agreed to update my account and remove the late payments. 

XXXX XXXX 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 2024-06-24 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: CA

Complaint narrative:
I need to inform you I was the victim of identity theft. I'm disputing the following account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dspute the following account. It was opened wihtout my knowlege, authority or consent. 

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 2024-06-24 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: CA

Complaint narrative:
I need to inform you I was the victim of identity theft. I'm disputing the following account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dspute the following account. It was opened wihtout my knowlege, authority or consent. 

XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently submitted information on a auto loan that I had with XXXX. They repossessed the car and updated my XXXX credit reports with derogtory status. 

this auto was repossessed and PAID off through action. I currently do not OWE on this automobile. 

my credit report shows PAID on XXXX and DEROGATORY on TRANSUNION AND XXXX. 

TransUnion XXXX XXXX TransUnion XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code : Individual Individual Individual Account Status : Derogatory Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$13000.00} {$13000.00} {$13000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Repossession Repossession Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/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 2024-06-24 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: FL

Complaint narrative:
I recently submitted information on a auto loan that I had with XXXX. They repossessed the car and updated my XXXX credit reports with derogtory status. 

this auto was repossessed and PAID off through action. I currently do not OWE on this automobile. 

my credit report shows PAID on XXXX and XXXX on XXXX AND EQUIFAX. 

XXXX XXXX Equifax XXXX XXXX Equifax Account Type : Installment Installment Installment Account Type - Detail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code : Individual Individual Individual Account Status : XXXX  Paid XXXX Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$13000.00} {$13000.00} {$13000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Repossession Repossession Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: FL

Complaint narrative:
I recently submitted information on a auto loan that I had with XXXX. They repossessed the car and updated my XXXX credit reports with XXXX  status. 

this auto was repossessed and PAID off through action. I currently do not OWE on this automobile. 

my credit report shows PAID on EXPERIAN and XXXX on XXXX AND XXXX. 

XXXX Experian XXXX XXXX Experian XXXX Account Type : Installment Installment Installment Account Type - Detail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code : Individual Individual Individual Account Status : XXXX Paid XXXX Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$13000.00} {$13000.00} {$13000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Repossession Repossession Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/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 2024-06-24 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: CA

Complaint narrative:
I need to inform you I was the victim of identity theft. I'm disputing the following account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dspute the following account. It was opened wihtout my knowlege, authority or consent. 

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 2024-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: FL

Complaint narrative:
NTL Recovery Agency is insisting aggressively and have damaged my credit score on purpose from a false representation of a fallacy that is far from the truth. This unknown predatory debt collector is trying to collect the wrong amount of debt. The bad debt that NTL is falsely trying to collect is {$1700.00}. I am requesting again from NTL Recovery Agency for an itemize bill. I am legally entitled to it. I have been overcharged due to my lack of ignorance. Now that I know, I could question and dispute any inaccuracies, false statements and/or representations. 

All charges could be lower by visiting this website : XXXX 
As a consumer, I have rights and will like to exercise them in a new and meaningful way. I can contact the original creditor billing department and dispute my charges and leaving the middle man out of it.

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 2024-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$440.00} XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXXXXXX 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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-06-24 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: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I need to inform you I was the victim of identity theft. I'm disputing the following account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dspute the following account. It was opened wihtout my knowlege, authority or consent. 

XXXX XXXXXXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have attached 2 alleged collections that have shown up on my credit report. Both are listed as OPEN BALANCE according to the FCRA this is illegal and they must be deleted immediately. My credit has been damaged because of this.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Hanwha QCells USA Corp
State: CA

Complaint narrative:
On XX/XX/XXXX the XXXX XXXX XXXX XXXX installed Solar Panels on XXXX homes my Husband and I own. At the time, my Husband and I were unaware that XXXX XXXX XXXX setup all the Solar Panels without a Permit from the City of XXXX California. XXXX XXXX failed to complete the job that was guaranteed on the contract. XXXX XXXX XXXX is nothing but a big scam of a company. Enfin Corp was the loan company that my Husband and I were approved for to finance the Solar Panels that XXXX XXXX XXXX installed on XX/XX/XXXX. Again my Husband and I were unaware what was going on with the Installation on the Solar work. After a few months pass, we didn't hear anything from XXXX XXXX XXXX. My husband and I called Enfin Corp quite a few times on canceling the loan. ( Unsuccessful ). On XX/XX/XXXX Enfin Corp reported to the Credit Bureau. Again, XXXX XXXX XXXX is nothing but a big scam, and Enfin needs to reach out to XXXX XXXX about getting the loan back. Enfin needs to reach out to The Credit Bureau to remove the {$93000.00} from are credit reports. This whole experience has been nothing but a nightmare for me and my XXXX. Our credit scores have suffered because of Enfin Corp. XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: CA

Complaint narrative:
I am writing to formally dispute and contest the accuracy of certain account listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. The company sent the statements to the wrong address. I have taken proactive measures to address this discrepancy by contacting the respective company associated with this account. I am pleased to inform you that after thorough investigation, this company have acknowledged the errors and have agreed to update my account and remove the late payments. 

XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: NC

Complaint narrative:
Credit bureau has not acknowledged my previous letters regarding incorrect information on my credit report such as names addresses phone numbers employment.

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 2024-06-24 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: CA

Complaint narrative:
I am writing once more to express my confusion regarding your handling of the investigation into the fraudulent accounts on my credit report. 
I have submitted the necessary documentation to the Federal Trade Commission ( FTC ) regarding these fraudulent accounts. Following this, XXXX and XXXX promptly removed these accounts from their records. 

I also contacted the companies associated with these accounts, and they confirmed the removal from their records. Therefore, I am perplexed as to why your bureau continues to report these accounts. 

As a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only breaches this duty but also subjects me to further harm. 

XXXX XXXXXXXX XXXX XXXX and 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 2024-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Claim ID # : XXXX. 

Bank of America has notified me that there is a dispute of {$20000.00} initiated by XXXX due to reason Transaction is unauthorized. While this claim is being investigated Bank of America is placing a {$20000.00} hold on my funds in checking account. 
The transaction that is being referred to for dispute is a XX/XX/2024 transaction that is a DEBIT from my account to XXXX XXXX. To clarify again, this is a DEBIT from my bank account that I SENT FUND FROM MY BOA to XXXX XXXX not a deposit into my bank account. 
Given that this transaction is one that I initiated to XXXX, it makes no sense for there to be a dispute/hold of the {$20000.00} funds if XXXX is stating that transaction is unauthorized. I am the one who sent the funds out of my account, so why is there an additional {$20000.00} being held for this dispute ; this is not a chargeback of funds that was deposited into my bank account from XXXX ( aka XXXX issuing bank ), but rather funds I sent to XXXX. 
Further contact with XXXX, upon escalation with higher level customer service, confirms in attached chat response As you can see in your account activity document, the two {$20000.00} deposits were credited to your XXXX account accordingly, and there is no indication of a reversal in our system. 
All in all, I have contacted XXXX  which is the transaction I have SENT FUNDS TO and they have stated that they have no indication of a funds reversal/dispute on their end.

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 monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
MY NAME IS STILL INCORRECT MY NAME IS NOT XXXX XXXX XXXX ON MY ID IASK YOU'LL TO REMOVE IT ON MY CURRENT REPORT I PULL XXXX IT'S NOT SHOWING ON THE REPORT BUT EQUIFAX EMPOYEE SAYS IT STILL ON THE REPORT BUT IF YOU PULL THE REPORT ITS NOT SHOW FALSE INFORMATION ON A CREDIT REPORT IS A VIOLATION UNDER THE CONSUMER LAWS AND CONSUMER FAIR ACT IASK YOU'LL TO FIX THE NAME 2 OR 3 WEEKS AGO REFUSE TO FIX IT I'M SEND COPY 'S OF 2 CURRENT CREDIT REPORT FOR PROOF OF FALSE INFORMATION ON MY REPORT

Company response to consumer: Closed with explanation