vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-19 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed accounts claiming that the information they present is accurate, with which I greatly disagree. I am submitting this complaint to you today to request that Transunion provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continue the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts corrected as soon as possible : XXXX, XXXX. XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX Late Dates XXXX, XXXX - XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Dates 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 2022-09-19 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX TransUnion is reporting inaccurate information on my consumer report. I filed an Identity theft report ( ftc report # XXXX ) and they're still reporting information that I did not give my consent to.TransUnion has never responded to the method of verification letter received by TransUnion on XXXX XXXX by Certified Mail Tracking # XXXX XXXX  XXXX XXXX XXXX, and is in violation of the Gramm-Leach-Bliley act, The FCRA permissible purpose statute in question states : " Any consumer reporting agency may furnish a consumer report ... to a person which it has reason to believe intends to use the information ( 1 ) in connection with a credit transaction involving the consumer on whom the information is to be furnished and ( 2 ) involving the ( a ) extension of credit to or ( b ) review or collection of an account of the consumer. '' I DID NOT DO BUSINESS WITH OR GIVE MY PERMISSION TO THE FURNISHERS OF THE ACCOUNTS IN DISPUTE. SEE ATTACHMENTS.

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 2022-09-19 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: PA

Complaint narrative:
After careful review of my most recent credit report it has come to my attention that XXXX XXXX Account # XXXX amount {$1300.00}, XXXX amount {$1900.00} has violated my consumer rights. 

Based on the Fair Credit Reporting Act XXXX  XXXX my rights have been violated as a consumer. 

Under LAWS : 15 US CODE 1681 ( 4 ) 15 US CODE 1681 ( B ) I HAVE ATTACHED WITHIN THIS COMPLAINT a copy of my recent credit report, ID and FTC report, and a copy of the cease and desist letter. 

I have submitted complaints several times with both the debt collection agency as well as the consumer reporting agencies. I have discussed the inaccurate information on the report several times of the course of three months and also explained I have never held a contract or communication with XXXX XXXX all attempts have been ignored. I have also attached cease and decist letters and requested assistance about the violations that are being committed.

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 2022-09-19 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  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 2022-09-19 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 — 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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 — 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 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

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 2022-09-19 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXXXXXXXXXX XXXX XXXX Balance : {$35000.00}

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 2022-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Americas Car-Mart, Inc.
State: MO

Complaint narrative:
We had problems from day one they did not disclose the vehicle was wrecked and glued back together there own machanic showed me. i have pictures and the bumper came off the glue did not hold.The XXXX XXXX XXXX has the same complaints, They lied to us stating they would put us in another vehicle re do our contract then re po the vehicle we lost out jobs and house over this. my credit report sucks now we live in a park and never in my life have i ever been XXXX i am embassed to say the least.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX  XXXX Balance : {$35000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$1300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$600.00}

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 2022-09-19 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX  XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$1300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$600.00}

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 2022-09-19 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX 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 2022-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Well how can I explain this scenario of change of identity through XXXX XXXX University, I started going to school in XXXX of XXXX after completing the five years I have come to find out that there was a change in my identity in the year of XXXX can remember when the school reached out to me in the year of XXXX  about enrolling, that it would help me with my career, which it has not help me at all and I am stuck with {$140000.00} XXXX student loans .Recently there has been a class action lawsuit against the school that has defrauded consumers going to a for profit school.I have ask for a discharge from all of my students loans because the change of identity the enrollment form with my hand written SSN on top of the enrollment form and the student ID on top of the enrollment form is not the student ID number which was used at XXXX XXXX XXXXReason I am fighting this is because its on my credit report, which I want it removed because the change of identity in the year of XXXX, This has been a 21 years process where my identity was changed on a job and has followed me all these years., My identity was changed while attending the school which is not legal because I did not change my identity never while attending XXXX XXXX University from the years of XX/XX/2009 until XXXX XXXX. I am also filing this because the fraudulent change of identity .The class action lawsuit is schedule for a hearing on XXXX XXXX have been living in this nightmare since XXXX XXXX with the change in identity which I was not solely responsible for the change in my identity. in the year of XXXX have no ideal who handwriting it is on top of the enrollment form for XXXX, plus I received a document that I have no Pell grants or student loans, so who is behind all of this change in my identity I have no clue which has puzzle me since 21 years ruining my character and reputation which has been a painful experience which has my life at a stand still for the past 21 years which can not use my SSN for nothing since al this has occurred sine XXXX XXXX. I filed for discharge or loan forgiveness after learning of the for profit school behavior in changing my identity last year under 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 2022-09-19 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: EQUIFAX, INC.
State: AR

Complaint narrative:
Well how can I explain this scenario of change of identity through XXXX XXXX University, I started going to school in XXXX of XXXX after completing the five years I have come to find out that there was a change in my identity in the year of XXXX can remember when the school reached out to me in the year of XXXX about enrolling, that it would help me with my career, which it has not help me at all and I am stuck with {$140000.00} XXXX student loans .Recently there has been a class action lawsuit against the school that has defrauded consumers going to a for profit school.I have ask for a discharge from all of my students loans because the change of identity the enrollment form with my hand written SSN on top of the enrollment form and the student ID on top of the enrollment form is not the student ID number which was used at XXXX XXXX XXXX I am fighting this is because its on my credit report, which I want it removed because the change of identity in the year of XXXX This has been a 21 years process where my identity was changed on a job and has followed me all these years., My identity was changed while attending the school which is not legal because I did not change my identity never while attending XXXX XXXX University from the years of XX/XX/2009 until XXXX XXXX. I am also filing this because the fraudulent change of identity .The class action lawsuit is schedule for a hearing on XXXX XXXXI have been living in this nightmare since XXXX XXXX with the change in identity which I was not solely responsible for the change in my identity. in the year of XXXX have no ideal who handwriting it is on top of the enrollment form for XXXX, plus I received a document that I have no Pell grants or student loans, so who is behind all of this change in my identity I have no clue which has puzzle me since 21 years ruining my character and reputation which has been a painful experience which has my life at a stand still for the past 21 years which can not use my SSN for nothing since al this has occurred sine XXXX XXXX. I filed for discharge or loan forgiveness after learning of the for profit school behavior in changing my identity last year under XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: AR

Complaint narrative:
Well how can I explain this scenario of change of identity through XXXX XXXX University, I started going to school in XXXX of XXXX after completing the five years I have come to find out that there was a change in my identity in the year of XXXX can remember when the school reached out to me in the year of XXXX  about enrolling, that it would help me with my career, which it has not help me at all and I am stuck with {$140000.00} XXXX student loans .Recently there has been a class action lawsuit against the school that has defrauded consumers going to a for profit school.I have ask for a discharge from all of my students loans because the change of identity the enrollment form with my hand written SSN on top of the enrollment form and the student ID on top of the enrollment form is not the student ID number which was used at XXXX XXXX XXXX I am fighting this is because its on my credit report, which I want it removed because the change of identity in the year of XXXX This has been a 21 years process where my identity was changed on a job and has followed me all these years., My identity was changed while attending the school which is not legal because I did not change my identity never while attending XXXX XXXX University from the years of XX/XX/2009 until XXXX XXXX. I am also filing this because the fraudulent change of identity .The class action lawsuit is schedule for a hearing on XXXX XXXX have been living in this nightmare since XXXX XXXX with the change in identity which I was not solely responsible for the change in my identity. in the year of XXXXI have no ideal who handwriting it is on top of the enrollment form for XXXX, plus I received a document that I have no Pell grants or student loans, so who is behind all of this change in my identity I have no clue which has puzzle me since 21 years ruining my character and reputation which has been a painful experience which has my life at a stand still for the past 21 years which can not use my SSN for nothing since al this has occurred sine XXXX XXXX. I filed for discharge or loan forgiveness after learning of the for profit school behavior in changing my identity last year under 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 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have three charges that I have disputed since XX/XX/2022. The first amount was {$640.00} which was debited from my account. Citibank has not adjusted my account for these two transactions and is stating that I have to wait for some letter to process these claims. This claim is outside the 10 days business time period. Citibank has mishandled several claims that I have submitted to them.

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