vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 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: PA

Complaint narrative:
Despite multiple attempts, this inaccuracy persists, and I am seeking further assistance to resolve this matter. I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, the late closed account and inquiries remain on my credit report, negatively impacting my creditworthiness and financial standing. This persistent issue has caused XXXX XXXX and XXXX. It is crucial that this inaccuracy is promptly addressed to ensure the fair and accurate reporting of my credit history. I respectfully request a thorough investigation into this matter and appropriate action to rectify the inaccuracy. Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. Please help remove these items immediately : 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 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 non-monetary relief
Consumer complaint received 2024-06-26 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: SC

Complaint narrative:
I have previously sent disputes regarding this issue numerous times. This issue is really causing me to have significant XXXX XXXX. Equifax Information Services LLC is failing to truly investigate and validate the information that's in my consumer report. It is illegal for the bureaus to report an active payment history when the alleged account is a charged off account. This inaccurate information falsely manipulates the statute of limitations. Their negligence has violated my rights. I AM DEMANDING A DELETION IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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:
Account reporting is inaccurate. proof of payments within time frame was provided. Account was not 60 days past due. This is not a similar complaint. This is a new XXXX about a new issue.

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 2024-06-26 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:
Account reporting is inaccurate. proof of payments within time frame was provided. Account was not 60 days past due. This is not a similar complaint. This is a new complaint about a new issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: CA

Complaint narrative:
Account reporting is inaccurate. proof of payments within time frame was provided. Account was not 60 days past due. This is not a similar complaint. This is a new XXXX about a new issue.

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 2024-06-26 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 on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely 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 2024-06-26 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: GA

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: PA

Complaint narrative:
I am following up regarding the ongoing issue of late open accounts inaccurately listed on my credit report. This letter marks my eleventh attempt to address this matter, and I am increasingly frustrated by the lack of resolution and the continued presence of these inaccuracies. I have diligently provided all necessary documentation and followed your companys procedures to dispute these erroneous entries. Despite numerous follow-up communications and assurances that the issue would be resolved, the late open accounts remain incorrectly reported on my credit file, causing significant distress and impacting my financial standing. I expect an immediate correction of these late open accounts to ensure they are accurately reported on my credit file, reflecting their true status. Additionally, I request a thorough investigation to identify and address the root cause of these inaccuracies, and implement robust measures to prevent future occurrences. The following accounts should be corrected as soon as possiblepossible : XXXX XXXX Balance : {$140000.00} ; XXXX XXXX Balance : $ {$190000.00} ; 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 2024-06-26 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: PA

Complaint narrative:
I am following up regarding the ongoing issue of late open accounts inaccurately listed on my credit report. This letter marks my eleventh attempt to address this matter, and I am increasingly frustrated by the lack of resolution and the continued presence of these inaccuracies. I have diligently provided all necessary documentation and followed your companys procedures to dispute these erroneous entries. Despite numerous follow-up communications and assurances that the issue would be resolved, the late open accounts remain incorrectly reported on my credit file, causing significant distress and impacting my financial standing. I expect an immediate correction of these late open accounts to ensure they are accurately reported on my credit file, reflecting their true status. Additionally, I request a thorough investigation to identify and address the root cause of these inaccuracies, and implement robust measures to prevent future occurrences. The following accounts should be corrected as soon as possiblepossible : XXXX XXXX Balance : {$140000.00} ; XXXX XXXX Balance : $ {$190000.00} ; XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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 mailed a letter to Experian on XX/XX/year>, informing them that I had been informed that there was a negative information reporting to my file they maintain under my social security number. I requested to challenge the accuracy compliance and reportability of this listing. I further stated I have no know of this listing Per 15 USC 1681b. I asked for them to please provide me with a contract with the original creditor bearing my signature. I formally request for this listing be immediately deleted from my credit file Experian is maintaining under my social security number. I understand Experian has 30 days within the date of receipt to complete this investigation. Per The Fair Credit Reporting Act, section 611 ( a ) ( 1 ) ( A ). I would also like to make known that I do not consent to any XXXX  or any means of automated verification.

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 2024-06-26 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: NC

Complaint narrative:
Following the review of my Experian credit report, I wrote to Experian on XX/XX/2023 via Certified Mail XXXX XXXX XXXX XXXX XXXX, requesting verifiable proof that I opened an account with the creditor, Dept of EDXXXX that was appearing on my credit report XXXX times. Experian never provided the proof and to this date, the accounts remain on my credit report which is a violation of the Fair Credit Reporting Act. 

The creditor is listed as Dept of EDXXXX on my mailed copy of my credit report and or Dept of EDXXXX XXXX XXXX with the same account number XXXX XXXX times on my report with various amounts outstanding.

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 2024-06-26 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: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-26 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: CO

Complaint narrative:
I recently reviewed my credit report and seen there where fraudulent accounts on my credit report can you all remove them so I can better my self in life

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 2024-06-26 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: NY

Complaint narrative:
Thank you for your time to REMOVED some of the inaccurate items in my file that resulted from an erroneous credit reporting but I have ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this problem in a previous letter & I am including those items here again. Ive informed my attorney of my intentions & they are excited to hold you accountable in any willful noncompliance : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that you have 4 business days to remove the reporting of any inaccurate items in my credit file that resulted from an erroneous credit reporting. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 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 2024-06-26 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: NY

Complaint narrative:
Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but to inform my attorney about this issue : XXXX XXXX XXXX XXXX Balance : {$2500.00}. Please conduct a proper investigation this time and ensure that the items stated above are reporting appropriately as required by the law. Otherwise please update this account that is found to be inaccurate or unverifiable or outdated.

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 2024-06-26 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:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
I am writing to express my dissatisfaction with your recent attempt to collect a debt from me, account number XXXX regarding my purported overdue balance of {$1300.00} allegedly owed to XXXX XXXX. The following account CREDENCE RESOURCE MANA ( Account Number : XXXX Original Creditor : XXXX Date Opened : XX/XX/year>. XXXX {$1300.00}. I have never had an account with none of these companies. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXX  and I do not have any contract with CREDENCE RESOURCE MANA. 
This account is fraudulent and does not belong to me, I have attached an FTC report along with this document and a copy of my ID. I am requesting the following 1.Immediate Cease of reporting this alleged debt to any Credit Reporting Agency 2 . A formal apology from CREDENCE RESOURCE MANA for the violation of my rights under the FDCPA. 3.Compensation for emotional distress and inconvenience caused by your unlawful collection efforts, in the amount of {$1000.00}. 4.Reimbursement of any legal fees incurred in addressing this matter. ( Please see attachments )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: RI

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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: NY

Complaint narrative:
Thank you for your time to REMOVED some of the inaccurate items in my file that resulted from an erroneous credit reporting but I have ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this problem in a previous letter & I am including those items here again. Ive informed my attorney of my intentions & they are excited to hold you accountable in any willful noncompliance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX  XXXX Balance : {$750.00} XXXX  XXXX XXXX : {$2600.00} XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX. Please note that you have XXXX business days to remove the reporting of any inaccurate items in my credit file that resulted from an erroneous credit reporting. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and 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 non-monetary relief
Consumer complaint received 2024-06-26 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: NY

Complaint narrative:
Thank you for your time to REMOVED some of the inaccurate items in my file that resulted from an erroneous credit reporting but I have ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this problem in a previous letter & I am including those items here again. Ive informed my attorney of my intentions & they are excited to hold you accountable in any willful noncompliance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX  XXXX Balance : {$750.00} XXXX XXXX XXXX : {$2600.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX. Please note that you have XXXX business days to remove the reporting of any inaccurate items in my credit file that resulted from an erroneous credit reporting. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: NY

Complaint narrative:
Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but to inform my attorney about this issue : XXXX XXXX XXXXXXXX XXXX Balance : {$2500.00}. Please conduct a proper investigation this time and ensure that the items stated above are reporting appropriately as required by the law. Otherwise please update this account that is found to be inaccurate or unverifiable or outdated.

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 2024-06-26 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: NY

Complaint narrative:
Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but to inform my attorney about this issue : XXXX XXXX  XXXX XXXX Balance : {$2500.00}. Please conduct a proper investigation this time and ensure that the items stated above are reporting appropriately as required by the law. Otherwise please update this account that is found to be inaccurate or unverifiable or outdated.

Company response to consumer: Closed with non-monetary relief