vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 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: WI

Complaint narrative:
TRANSUNION I DISPUTE 4 TIMES DATES IS XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  .I PAID {$1800.00} XX/XX/XXXX {$0.00} BALANCE NOW TRANSUNION IS STILL SHOWING {$1800.00} XXXX THE SAME THEY DID SHOW PAYMENT {$0.00} THEN WENT BACK TO {$1800.00} TRANSUNION SHOWED {$1800.00} XX/XX/XXXX PAID ON XX/XX/XXXX {$0.00} THEN WENT BACK TO {$1800.00} NOT PAID DISPUTE NUMBER 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 2024-01-12 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ready Capital Corporation
State: LA

Complaint narrative:
I had hurricane damage and waited 2 years to get an additional settlement now the company won't give me any additional funds. I have been out of my home for over 2 years and am about out of money.

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 2024-01-12 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: TX

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It has come to my attention that items are not being removed despite being submitted with an FTC fraud report # XXXX. As a victim of identity theft, this is another request for the removal of remaining accounts from my credit file resulting from alleged identity theft. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are obligated to remove any items not later than 4 business days after XX/XX/2023. I have previously addressed this matter in my prior complaint and am reiterating it here with a new FTC report # XXXX. Furthermore, the information provided on these accounts is UNKNOWN to me and has been REMOVED from other bureaus, casting doubts on their accuracy. The remaining accounts for removal are listed per bureau : -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian credit bureau used an onslaught of advertising to truck me into taking a pre approved credit card. I decided after almost daily emails and internal pop ups to do it. XXXX XXXX XXXX XXXX XXXX '' Card was issued without the limit I was guaranteed for applying and they PRE CHARGED me from some other company for the fees charged. They adversely effected my credit in callusion with the Experian Credit Bureau. 

XXXX XXXX XXXX XXXX XXXX etc is the president of a XXXX XXXX  entity known as XXXX  XXXX at the address used physically. This seems to be a XXXX  situation and there is no way of knowing who this person is. The affiliated XXXX XXXX XXXX is an INACTIVE company located in NB. 

I have not researched Experian for shell games and possible maphia fronts perhaps you should. 

There are multiple internet predator complaints about ALL 3 of the companies in question. Please help the other victims of the interactive predatory lending and data breaches. 

They have also yet to answer for the XXXX XXXX XXXX sole proprietorship breaches and alterations of my business file in their business division. Please don't hesitate to mention that.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This will be my third time writing to XXXX XXXX Equifax to investigate and provide proof that the bankruptcy listed on my credit report came directly from the United States Court House and not a third party. I received a response that the bankruptcy was verified with the United States Bankruptcy Court. However, XXXX or Equifax did not provide me with proof. I reached out to the courthouse to confirm their information release policy. The court advised me of the following The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. Per the Fair Credit Reporting Act 15 U.S.C 1681, it is a violation of the FCRA to report inaccurate or unverifiable information on a credit report. XXXX took the liberty to properly investigate and delete these Bankruptcies from my credit report due to inaccuracy, however, it is evidence that XXXX XXXX Equifax did not and lied about investigating this bankruptcy with the courthouse. I demand the following Bankruptcies be immediately deleted from my credit report : *XXXX  XXXX Bankruptcy Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Account Number : XXXX XXXX XXXX XXXX Please reply to me in writing or via email ( XXXX ) once this has been deleted. Also, it is to my understanding that I am entitled to a free credit report once any information is investigated and deleted. Please send an updated report to the mailing address listed above. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: IL

Complaint narrative:
I have been disputing the enclosed information for over 8 monthsonly to receive the runaround and stall correspondence from not only the creditor XXXX but also the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong. 

.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I discovered that my credit freeze has been lifted without my authorization. I called in to check what happened. The agent at the time named XXXX XXXX ( File # XXXX ) mentioned someone earlier on the same day called in and verbally requested that the credit freeze to be lifted. She was able to put a side note that any agent over the phone needs to verify a special pass code of my choice before allowing to lift the freeze. 

I called again to make sure that this is in place to double confirm, and was able to speak with another agent named XXXX ( XXXX # XXXX ). I asked her if she see a side note that she needs to ask for a special passcode, she revealed a part of the passcode. I pointed out that this should not happen as this is supposed to be another layer of confidential information. She was able to create another passcode for me, but this should not happen.

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 2024-01-12 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'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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

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 2024-01-12 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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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:
This is my complaint that the Bureaus did not Resolve my request to remove these negative Items from my Credit report. I CREDIT COLL Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It has come to my attention that items are not being removed despite being submitted with an FTC fraud report # XXXX. As a victim of identity theft, this is another request for the removal of remaining accounts from my credit file resulting from alleged identity theft. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are obligated to remove any items not later than 4 business days after XX/XX/2023. I have previously addressed this matter in my prior complaint and am reiterating it here with a new FTC report # XXXX. Furthermore, the information provided on these accounts is UNKNOWN to me and has been REMOVED from other bureaus, casting doubts on their accuracy. The remaining accounts for removal are listed per bureau : -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
The Company name is Affirm Inc and there is two accounts, one was open on XXXX XXXX account balance is {$3500.00}, showing that it is in collections the original balance was {$3400.00}. The other one open on XXXX XXXX account balance {$160.00}, showing past due 30 day. The original balance was {$500.00}. The total balance for both is {$3700.00}. I didn't open this account. I have expressed this to the company but nothing has been done about it. I only find out about this account from viewing my XXXX credit report. It is not on XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/2024, I initiated a {$100000.00} transfer from my Marcus by Goldman Sachs Online Savings Account to my personal XXXX XXXX XXXX Investing Account. But this transaction was reversed by Marcus by Goldman Sachs on XX/XX/2024. On XX/XX/2024, I spent around 4 hours talking to more than 4 customer service associates, but got different explanations. Further, I had another similar {$100000.00} and {$50000.00} transfers initiated on XX/XX/2024 and XX/XX/2024 respectively, which probably would be declined by Marcus by Goldman Sachs too. So first could I get the correct reason why these transfers between my own personal accounts were declined by Marcus by Goldman Sachs? Second, I need to use the {$250000.00} in my personal XXXX XXXX XXXX Investing Account as soon as possible, so how can I transfer the {$250000.00} funds out of Marcus by Goldman Sachs in the fastest?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
A year or two ago I reported a delinquency to you by XXXX XXXX XXXX XXXX XXXX XXXX on my credit report as incorrect and fraudulent. 

After an investigation it was removed. 
Now the exact same bill is back with a new collection agency XXXX XXXX XXXX. 

This bill is from a condo office for damage to carpet that was caused by a leak in the condo. While installing new kitchen cabinets in the unit above me the carpenters, put a screw that went through the wall and into the pipe, causing water to run down, filling my unit below and damaging all my personal property. 
The condo rules say that the unit above me is responsible for the damage to my unit but it was easier for them to bill me as I was renting and moving and keep the people above happy. I have all the emails between the office and I acknowledging this damage, that it was their fault, and that they didnt find it immediately and had to go back several times. 

They kept my security deposit and tried to bill me. I said take me to court as I have all the evidence to win. Knowing they couldnt win they chose this. 

How many times do I have to have the same bill removed. 
When is it harassment to keep posting the same bill after investigation and removal? 

Im inclosing pictures of the water coming down from the upstairs unit through my kitchen cabinets, my soaked, carpet, clothing, and bed I also copies of them charging me for the carpet that their leak caused. 

I have many more emails from XXXX XXXX and complete pictures on the damage and the

Company response to consumer: Closed with non-monetary relief