vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am reaching out to you because I am concerned about the accuracy and honesty of your company 's data. As per FCRA section XXXX, it is imperative that we have accurate records on file with those who rely upon them most- which includes not just customers but also potential lenders or employers. After doing some research into XXXX XXXX compliance standards as well ( since they are rather new ), I've found there may be some inaccuracies in reporting going forward if these issues aren't promptly resolved ; would love any feedback possible before taking action against us later down XXXX XXXX together. My credit report is a representation of my financial standing and I take pride in keeping it up-to-date. With that said, you have the responsibility to keep my credit profile and report accurate, authentic, and complete! Therefore, I need you to provide me with verification of everything within my credit report in a TIMELY manner. The information in my credit report and below is inaccurate. It never had any verification, compliance with reporting laws by means or even credibility - so now I'm going through the process of correcting this oversight permanently! The inaccuracies that are currently on my report are having a serious negative impact on my quality of life! The data on my credit report is of high importance and is currently not a representation of who I am financially because its inaccurate. I'm demanding accurate documentation so you can document me- the person who deserves status in society- correctly! Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records. I have attached documentation pointing out the inaccuracies as well as identification verifying my identity.

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 2024-05-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/year> there was a letter sent to Experian asking them to verify what I believe to be incorrect information about a few accounts reporting to my credit report listed as collections. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into 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 2024-05-29 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: IL

Complaint narrative:
I am writing to follow up on my previous complaint regarding the discrepancies, unverified, and inaccurate negative items on my credit report. Despite my earlier communication, these erroneous entries remain unresolved, which is highly concerning and unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: IL

Complaint narrative:
I am writing to follow up on my previous complaint regarding the discrepancies, unverified, and inaccurate negative items on my credit report. Despite my earlier communication, these erroneous entries remain unresolved, which is highly concerning and unacceptable.

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 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I requested under:15 USC 1692g debt validation ( # 1. ) production of original contract signed by me agreeing to be responsible for debt, ( # 2. ) proof of debt assignment ( how & when company was assigned and granted authority to collect debt, a complete account and payment history of the debt in question, and proof that no insurance company or any other entity has granted payment to creditors, no insurance claim has been made and paid, and not tax write off has been granted for the amount of ye allowed debt. 15 USC 1681 the credit reporting agencies have a duty to accurately reflect correct info, this info is not correct, I was a minor child who never knew about or understand what this debt is, I could not legally and never entered into any agreement to be responsible for this debt, an finally, my mom had an account with XXXX and she had to use them or fraud to recoup her {$1500.00} and formal complaints of fraudulent and abusive practices of missing funds during deposits she made. the creditor is fraudulently reporting know erroneous info against my credit, they have a bad history of complaints of fraud and high turn over at that XXXX XXXX, an my mom closed out her accounts not owing XXXX anything. My mom sued XXXX and reported them an this is just retaliatory maliciously damaging attacks against me and I have nothing to do with this account. I clearly was a minor who NEVER know about or agreed to anything with XXXX XXXX or XXXX XXXX XXXXXXXX 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 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-05-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: WA

Complaint narrative:
I was going to transfer about $ XXXX on XXXX from the child support card to my main account but decided not to for many reasons. I was not able to use the card over the holiday weekend, they cancelled the card and was not able to confirm exactly the reason. I did not want to transfer funds till after I pay bills next month so they wouldn't be held multiple days during the transfer. Now they cancelled the card, asking me to send photo id, and tell me they cant review my faxed photo id for two business days, charge me for a new card, after they take two days to review my ID. Then they will then send a request to expedite a new card. I wont have access to money so that I can pay bills at the end of the month. They are holding my funds from me, profiting by charging my card and to expedite shipping a new one to me, and refuses to make it a priority so I can pay bills. 

US Bank Card for WA state child support

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 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX was used on unauthorized transactions as follows : XXXX transfer to my checking ending in XXXX {$7000.00} Purchase on XX/XX/year> {$1000.00} spent XXXX and cashback {$1000.00} Purchase XXXX {$1000.00} Purchase XXXX {$960.00} ATM withdrawal {$1000.00} ATM withdrawal {$1000.00} I have no idea where the funds went or how it was transferred but the funds are missing This is as far back as I can go with the statement

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 2024-05-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Open XXXX {$15000.00} XXXX XXXX XXXX Open XXXX {$10000.00} XXXX XXXX XXXX  XXXX Open XXXX {$3200.00} These debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices according to the FDCPA they violated my rights

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted Data X credit reporting agency to confirm the company placed a security freeze which was requested over a year ago. However, they never placed a freeze on my account. I was informed today that I need to fill out another form and provide a copy of my DL and Social Security card. This is very alarming. There has to be another way to send a company your information especially when you are a victim of idenity theft. Why would any company request a copy of your Social Security card?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-29 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: TX

Complaint narrative:
I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those 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 2024-05-29 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-05-29 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: NJ

Complaint narrative:
there was an agreement that once the loan was paid off, it would be removed from my credit report, the loan is fully paid off and has been fully paid off for a while, but they still have not removed it from my credit report how they agreed to from the beginning

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 2024-05-29 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: NJ

Complaint narrative:
there was an agreement that once the loan was paid off, it would be removed from my credit report, the loan is fully paid off and has been fully paid off for a while, but they still have not removed it from my credit report how they agreed to from the beginning

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 2024-05-29 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: PA

Complaint narrative:
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 2024-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: WA

Complaint narrative:
I decided to get XXXX XXXX so I could start rebuilding and repairing my credit. Im about XXXX years ago I noticed that there was some faulty inquiries on my account, saying that I owed some bills that did not belong to me. I had also left a domestic XXXX and had some identity theft issues. I contacted the company themselves XXXX XXXX they said that it was for a XXXX XXXX that was opened on XX/XX/XXXX of XXXX I believe And I had already had a free phone through the government. I wasnt even receiving a phone I never purchased a phone and never got any phone service so it was very weird to me went through lengthy investigation with XXXX XXXX and XXXX and they finally decided the second time after speaking to that it would be removed and would not be returned to my account now all these months later, XX/XX/XXXX they entered it back on my account. And it dropped my credit by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-05-29 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: WI

Complaint narrative:
I have been dealing with having debts that are not mine removed. All 3 credit bureaus to this date has NOT provided me with any information I have asked for and COMPLETELY IGNORED my last request for ....

1. The name and address of the original creditor 2. The original date of delinquency and amount owed 3. A copy of the original contract or other documents bearing my signature I have sent several letters .... 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Several letters in between for the information " THEY '' asked for I was completely ignored on the last letter!!!! I have also been presented with " stalling tactics '' All letters I have sent I enclosed a front and back copy of my license, and current utility bill. When it gets close to the 30 day mark I have received letters stating that I had to send in a copy of license and utility bill AGAIN, because it was CLAIMED it was not " CLEAR '' enough. This is not true!!!! I am also getting the run around, I called XXXX, and was told I needed to contact Equifax or XXXX to have it removed .... Since when is this the way it works? I also contacted Equifax and spoke to a " supervisor '' and questioned WHY I have to send yet another copy of the same thing I already sent. He claimed it was not legible, however when I asked if he personally seen it, he could not answer me, and I know it was as clear as day, and this is after I sent them several other copies that they continue to ask for. Please be advised that all letters sent to all bureaus, were sent certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: WI

Complaint narrative:
I have been dealing with having debts that are not mine removed. All 3 credit bureaus to this date has NOT provided me with any information I have asked for and COMPLETELY IGNORED my last request for ....

1. The name and address of the original creditor 2. The original date of delinquency and amount owed 3. A copy of the original contract or other documents bearing my signature I have sent several letters .... 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Several letters in between for the information " THEY '' asked for I was completely ignored on the last letter!!!! I have also been presented with " stalling tactics '' All letters I have sent I enclosed a front and back copy of my license, and current utility bill. When it gets close to the 30 day mark I have received letters stating that I had to send in a copy of license and utility bill AGAIN, because it was CLAIMED it was not " CLEAR '' enough. This is not true!!!! I am also getting the run around, I called XXXX, and was told I needed to contact XXXX or Experian to have it removed .... Since when is this the way it works? I also contacted XXXX and spoke to a " supervisor '' and questioned WHY I have to send yet another copy of the same thing I already sent. He claimed it was not legible, however when I asked if he personally seen it, he could not answer me, and I know it was as clear as day, and this is after I sent them several other copies that they continue to ask for. Please be advised that all letters sent to all bureaus, were sent certified mail.

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 2024-05-29 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: CA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
LexisNexis reports innacurate information regarding my driving record. The innacuracies have cost me thousands of dollars in higher auto and boat insurance rates per year. I have called the sources of the information and they have verified the accuracy of my concerns. 

First issue is regarding CASE # : XXXX in the XXXX XXXX XXXX in XXXX, MI. The violation occured on XX/XX/XXXX. LexisNexis reports it as occuring on XX/XX/XXXX. 

The second issue is CASE # : XXXX in the XXXX XXXX XXXX in XXXX XXXX, MI. The violation was dismissed and I WAS NOT CONVICTED, yet LexisNexis INNACURATELY reports a Conviction of Traffic Violation. 

Furthermore, LexisNexis fails to report my education accurately, as I hold a Bachelors of Arts ( BA ) and a Masters of XXXX XXXX ( XXXX ) degrees. When I stated this information to the representative, their response was that I needed to contact AMERICAN STUDENT LIST at ( XXXX ) XXXX. The phone number is not a working number. A XXXX search for " XXXX XXXX XXXX '' produces a phone number XXXX and the recording says the company name is Deep Think. The number is primary for sales of their products and services. I have left messages twice and never received a call back. 

AM I NOT ALLOWED TO VERIFY INFORMATION THAT IS REPORTED ABOUT ME? 

ISN'T XXXX XXXX SUPPOSED TO PROVIDE ACCURATE INFORMATION ABOUT ME AND THE SOURCES FROM WHICH THEY DERIVE INFORMATION?

Company response to consumer: Closed with explanation