vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please remove all address listed below I have never lived there of no longer reside there. I want only 1 name 1 address and no social security phone number

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
Tried to login to Equifax, login in denied received contact #, called reset email and password, called 2x, 1st XXXX XXXX  for 26 min 6 sec, problem said to be resolved. Tried to login to MyEquifax several times sent me back to same phone # XXXX XXXX XXXX. Called again atXXXX XXXX this time 38 min 6 sec handled by XXXX, sent me through the same process said all good, could not sucessfuly login, she is very hard to understand as was the prior care person. She said this matter would be escalated and I would receive a confirmation email, I did, tried to log in again and after third failed attempt was locked out of Equifax. 
My email XXXX has been hacked, we had that email since 1980 those XXXX  have all my family history, I had no choice, I called XXXX and closed the account. I contacted my financial institutions, credit accounts, XXXX etc. To alert fraud and change to a new email. Many of my contacts were sent a bogus email and they alerted me along with The XXXX XXXX XXXX. I was able to change my info with and freeze XXXX XXXX, XXXX with out issue and have paid for monthly monitoring. Something I believe you folks should enforce, they have a feduciary responsibility towards all of the public.We are at their mercy when it comes to protecting our information, this ought to have lawful enforcement and concequences. 
Equifax has not resolved my login issue preventing me from freezing my financial onformation. This issue must be resolved due to the early stages of Identity Theft, for which I will bear the suffering and ruin not Equifax or the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: FL

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Given my strong history of punctual payments, this late payment should not be reflected on my account. Please remove it and update my records accordingly.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Given my strong history of punctual payments, this late payment should not be reflected on my account. Please remove it and update my records accordingly.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I respectfully request that you act without delay to remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I respectfully request that you act without delay to remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Enterprise Systems, Inc.
State: AR

Complaint narrative:
This company, National Enterprise Systems Inc. is attempting to collect an alleged debt from an account that does not belong to me. I have filed complaints about this account with many agencies and I am so frustrated at this point! This is stressing me out so bad! I am a XXXX XXXX  and this is too much to deal with right now. They must be stopped. Not to mention the alleged original creditor has an arbitration clause that has clearly been bypassed.

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 2025-02-19 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: AZ

Complaint narrative:
This late payment is out of character for me, considering my history of making payments on time. Please remove it and update my account accordingly.

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 2025-02-19 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:
This late payment is out of character for me, considering my history of making payments on time. Please remove it and update my account accordingly.

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 2025-02-19 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: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
MY PERSONAL INFO WAS RELEASED TO THE PUBLIC VIA THE EQUIFAX AND XXXX DATA BREACH. AS A CONSUMER I HAVE A RIGHT TO PRIVACY AND WOULD REALLY LOVE FOR YOU TO REMOVE EVERY ACCOUNT THAT WAS OPENED WITHOUT MY CONSENT. I UPLOADED PROOF OF THE FTC REPORT AND EQUIFAX DATA BREACH

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
MY PERSONAL INFO WAS RELEASED TO THE PUBLIC VIA THE EQUIFAX AND XXXX DATA BREACH. AS A CONSUMER I HAVE A RIGHT TO PRIVACY AND WOULD REALLY LOVE FOR YOU TO REMOVE EVERY ACCOUNT THAT WAS OPENED WITHOUT MY CONSENT. I UPLOADED PROOF OF THE FTC REPORT AND EQUIFAX DATA BREACH

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: EQUIFAX, INC.
State: AR

Complaint narrative:
TO : Equifax & XXXX. 
From : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AR XXXX DOB : XX/XX/XXXX, Last 4 : XXXX RE : Improper Verification Tactics XX/XX/XXXX Bankruptcy Reference # XXXX & XXXX 15 U.S.C 1681i ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 3 ) I have received letters from the Mississippi Court in XXXX XXXX XXXX XXXX XXXX , both courts have clearly stated that they 'DO NOT " verify or support any company 's verification of Bankruptcy Accounts.. ( YET ) Equifax & XXXX state that have verified ... ... .How can they be verified? I submit that Equifax & XXXX has purchased a online public record and is using the purchase of a online purchase as a verification ..... The proper verification should come " directly '' from the Court, not from a comparison on a purchased online transaction. Equifax & XXXX have violated my rights to privacy and due process because of inaccurate and false verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
Since XX/XX/year>025 my account at Ally bank has been restricted over 15 times. I noticed several ATM charges, some of which were out of town and some had a literal name listed on my bank statement. I filed multiple disputes for transactions made at 3 ATMs. These transactions included amounts of {$300.00} and {$200.00}. Ally has denied my dispute and sent me a letter stating that their investigation has concluded that the transactions were authorized when they clearly werent. They did not offer any further explanation for their conclusion. I am still restricted from my account and have been for almost a month now, in total, Ive probably had maybe 2 weeks of account access.

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 2025-02-19 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: VA

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

Company 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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This late payment does not align with my history of timely payments. I respectfully request its removal and an update to my account.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This late payment does not align with my history of timely payments. I respectfully request its removal and an update to my account.

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 2025-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
My credit report shows alarming charges that's do no belong 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 2025-02-19 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: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2025-02-19 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: FL

Complaint narrative:
Dear Credit Bureau Representative, I am writing to formally request, for the second time, that you update my personal information and remove unauthorized inquiries from my credit report. I previously submitted a request on XX/XX/year>2024, yet these inaccuracies remain unresolved. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information, and the credit bureau is legally required to investigate and correct errors within 30 days.

These inaccuracies are hindering my ability to purchase a home and are causing me significant distress. As per my rights under federal law, my credit report should accurately reflect my financial history. Your failure to correct this issue in a timely manner constitutes a violation of the FCRA and is negatively impacting my financial opportunities.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing reports with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially seeking legal action. I am providing supporting documentation again for your reference, and I expect a resolution within the legally required timeframe.

Please confirm in writing once these corrections have been made. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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:
Dispute of Inaccurate Charge-Off Information -Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX According to the law US code 1692g the debt collector must send a written notice to the consumer within 5 days of first contacting them about a debt. They never contact me about this debt.

Also, a notice must include the amount of the debt, the name of the creditor and a statement that the debt will be assumed valid if the consumer doesn't dispute it in 30 days. I never received any documentation on this account.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Dispute of Inaccurate Charge-Off Information -Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX According to the law US code 1692g the debt collector must send a written notice to the consumer within 5 days of first contacting them about a debt. They never contact me about this debt.

Also, a notice must include the amount of the debt, the name of the creditor and a statement that the debt will be assumed valid if the consumer doesn't dispute it in 30 days. I never received any documentation on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XX/XX/XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
1.XX/XX/XXXX bal. {$0.00} 2.XXXXXX/XX/XXXXbal. {$0.00} 3.XXXX XXXX bal. {$640.00} 4.XXXX bal. {$21000.00} 5.XXXX bal {$1300.00}

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 explanation
Consumer complaint received 2025-02-19 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: VA

Complaint narrative:
The following account is not supposed to be reported to my consumer report. 

Account Number : XXXX Account Name : XXXX XXXX Amount : {$8900.00} Alongside this complaint I have also provided an FTC report. 


I am requesting the immediate removal of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: VA

Complaint narrative:
The following account is not supposed to be reported to my consumer report. 

Account Number : XXXX Account Name : XXXX XXXX Amount : {$8900.00} Alongside this complaint I have also provided an FTC report. 


I am requesting the immediate removal of this account

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 2025-02-19 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: PA

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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