vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX posted the wrong information, we called and they told us my account was XXXX $ so I asked why they charged me XXXX $ for no reason, they told me they are going to fix it, and in the end, they fix it and I decided to close it. 

Since I got this credit card I barely used it and it gave me a lot of problems, one of the reasons I decided to close it, was because this bank for some reason shows me charges that I never did or recognized and it charged interest of those charges and late fee. Like I said before, I don't use this card at all. When I checked it using the app and I saw those charges I called the bank immediately because I never used my card and they charge me for something that I never used and charge a late fee and other amounts that I never recognized or accepted. According to the last call they fixed it and my account was XXXX $ I decided to close it and they told me my account was XXXX $ and closed it and they told me nothing to worried. 

I called the bank to know why they report a negative and they told me to fix this issue I need to re-open the account again and the bank will fix it, so I said no, I don't want to re-open it. I don't want any relation with this bank. They didn't give more information and I told them that I need an explanation of why was the reason I got a negative on my credit. I insisted to get an answer and they were rude and disconnected the call. My credit was intact and had good points and I am trying to keep it high, but this bank affects my credit report. And according to the last call, I requested to close the account without any debt and they told me it was closed and had no debt. Please help me to resolve this issue, I need to clean my record and keep it clean. Thank you. 

Please find in the attached file where they fixed everything and put the account XXXX $ with no debt, all amount was fixed and the account with no debt. 

Transunion file 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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX posted the wrong information, we called and they told us my account was XXXX $ so I asked why they charged me XXXX $ for no reason, they told me they are going to fix it, and in the end, they fix it and I decided to close it. 

Since I got this credit card I barely used it and it gave me a lot of problems, one of the reasons I decided to close it, was because this bank for some reason shows me charges that I never did or recognized and it charged interest of those charges and late fee. Like I said before, I don't use this card at all. When I checked it using the app and I saw those charges I called the bank immediately because I never used my card and they charge me for something that I never used and charge a late fee and other amounts that I never recognized or accepted. According to the last call they fixed it and my account was XXXX $ I decided to close it and they told me my account was XXXX $ and closed it and they told me nothing to worried. 

I called the bank to know why they report a negative and they told me to fix this issue I need to re-open the account again and the bank will fix it, so I said no, I don't want to re-open it. I don't want any relation with this bank. They didn't give more information and I told them that I need an explanation of why was the reason I got a negative on my credit. I insisted to get an answer and they were rude and disconnected the call. My credit was intact and had good points and I am trying to keep it high, but this bank affects my credit report. And according to the last call, I requested to close the account without any debt and they told me it was closed and had no debt. Please help me to resolve this issue, I need to clean my record and keep it clean. Thank you. 

Please find in the attached file where they fixed everything and put the account XXXX $ with no debt, all amount was fixed and the account with no debt. 

XXXX file 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 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
Typo in previous request. Alliant was notified of XX/XX/XXXX1 Bankruptcy/ not XXXX. 

I made 3 attempts to notify the company they are violating Fair Credit Reporting Act ( FCRA ). I FILED XXXX  XXXX BANKRUPTCY XX/XX/XXXX. Alliant was notified by my attorneys office and myself verbally. Alliant continued to report two account balances of approximately {$300.00} total to XXXX XXXX Because of Alliants willful violations of the FCRA, I was declined membership at XXXX XXXX XXXX XXXX and a {$12000.00} loan that I was approved for could not be issued. On XX/XX/XXXX at about XXXX I talked to XXXX XXXX ( supervisor ). She said she was unable to assist. This was my 3rd attempt. Two other attempts and no one contacted me as promised. 

It appears that due to a typo Alliant believes they should not be held accountable. Shame on you. You were made aware of my most recent bankruptcy on at least 3 separate occasions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 2. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA 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 2022-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
While looking through my credit report I noticed a previous deleted collection item on my credit report. This item has been removed three other times. The original account came from XXXX XXXX XXXX. I prove to the bureau that the claim was an error by XXXX XXXX XXXX, and it was removed. It was sold to XXXX XXXX XXXX agency and placed back on my credit report in spring of XXXX. In XXXX of XXXX  I had it removed again. Then In XXXX of XXXX  it was sold to XXXX XXXX agency and again removed. Now, it was sold to XXXX account # XXXX. Why do I have to keep removing this same erroneous claim? According to The Fair Collections Act, this information should not be placed back on my report once removed. Section 609 ( a ) of FCRA, reporting agencies are required by law to verify claims, through physical verification of all accounts placed on my credit file. Obviously no investigation was made to verify this claim. Moreover, it has now been 7 weeks or 40 days since I asked for verification of debt. According, FCRA, the bureau has 30 days for validate debt on credit report. Additionally, Under FCRA unverifiable accounts must be removed and if you are unable to provide the original application, accounting of collections account, and original agreement.

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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 2. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX XXXX  XXXX, CA XXXX 9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX CA 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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 2. there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX  7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX XXXX  XXXX, CA XXXX 9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I have been using credit karma since XXXX I have been following everything that they have been telling me in order to try to better my credit all they have done is give me false information and false hope, I am a single mother of XXXX in XXXX  full-time I've been in XXXX  since XXXX I have been trying to buy a house for me and my kids since then I have tried to pay off debt their credit karma is that I owed and that once I paid it off my credit score would go up enough tell her I can buy a house they have told me that I could get credit offers and loan offers that I was pre-qualified for I was then denied after applying and then it ruined my credit with the hard inquiries this company lies they dont have correct information every time I try to do anything based off of their information it is all incorrect according to companies I have tried to get loans through whether it be school loans home loan or any type of credit consolidating, I have paid off a lot of debt over the past years and I am still not getting anywhere because I trusted them and the information they were providing to me now I am still stuck without being able to buy a home and with more debt than I started with

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 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