vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-03 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: CA

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX : {$0.00} CALIFORNIA XXXX XXXX ( Original Creditor XXXX WASHINGTON XXXX XXXX XXXX ) XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$97.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX COMPANY ) XXXX Balance : {$83.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: NY

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 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 non-monetary relief
Consumer complaint received 2024-07-03 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: NC

Complaint narrative:
I am writing to express my profound frustration and concern regarding the repeated inaccuracies present in my credit report. This is now the multiple time I am contacting your bureau to dispute the erroneous student loan accounts that have been inaccurately attributed to my credit file. Despite my previous dispute letters and the submission of all necessary documentation, including proof of my non-involvement with these accounts, these inaccuracies persist on my credit report. This continuous oversight not only affects my financial standing but also raises serious concerns regarding the efficacy of your bureau 's investigation and verification processes. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a thorough and timely investigation of disputed information, ensuring that any unverifiable or inaccurate data is corrected or removed from the consumer 's credit report. The continued presence of these erroneous student loan accounts on my credit report suggests a clear deviation from these mandated procedures. I demand an immediate and comprehensive reinvestigation of these disputed accounts. Your bureau must review the verification process employed and provide a detailed explanation of the methodologies and communications used to substantiate the accuracy of these accounts. If the accounts can not be verified as accurate, they must be expunged from my credit report without further delay. 

XXXX XXXX XXXX XXXX, XXXX OF XXXX XXXX XXXX XXXX OF 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 2024-07-03 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: AZ

Complaint narrative:
I am requesting an investigation and dispute of these accounts as they have been wrongfully reported on my credit file. Under the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 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: NY

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 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 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
These accounts have been erroneously reported on my credit file, and I am exercising my right to dispute and investigate them. According to the Fair Credit Reporting Act, I should be compensated {$1000.00} for each error.

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 2024-07-03 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: NC

Complaint narrative:
I am writing to express my profound frustration and concern regarding the repeated inaccuracies present in my credit report. This is now the multiple time I am contacting your bureau to dispute the erroneous student loan accounts that have been inaccurately attributed to my credit file. Despite my previous dispute letters and the submission of all necessary documentation, including proof of my non-involvement with these accounts, these inaccuracies persist on my credit report. This continuous oversight not only affects my financial standing but also raises serious concerns regarding the efficacy of your bureau 's investigation and verification processes. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a thorough and timely investigation of disputed information, ensuring that any unverifiable or inaccurate data is corrected or removed from the consumer 's credit report. The continued presence of these erroneous student loan accounts on my credit report suggests a clear deviation from these mandated procedures. I demand an immediate and comprehensive reinvestigation of these disputed accounts. Your bureau must review the verification process employed and provide a detailed explanation of the methodologies and communications used to substantiate the accuracy of these accounts. If the accounts can not be verified as accurate, they must be expunged from my credit report without further delay. 

XXXX XXXX XXXX XXXX, XXXX OF XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX  XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, VA XXXX XXXX XXXX CT XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance XXXX : {$630.00} XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year>

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 2024-07-03 00:00:00
Product: Credit reporting 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts below has violated my federal consumer rights to privacy and confidentiality under 15 USC 1681 PERSONAL INFORMATION ADDRESS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX *THIS IS A POST OFFICE - NEVER LIVED HERE PLEASE REMOVE DEROGATORY ACCOUNT INFORMATION XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX *PAYMENT HAS NEVER BEEN LATE XXXX XXXX XXXX Account XXXX XXXX XXXX *PAYMENT HAS NEVER BEEN LATE XXXX XXXX - PLEASE REMOVE Account number # XXXX XXXX XXXXXXXX Account number # XXXX PLEASE REMOVE XXXXXXXX XXXX XXXX  Account number # XXXX PLEASE REMOVE XXXX XXXX XXXXXXXX XXXX Account number # XXXX PLEASE REMOVE XXXX XXXXXXXX XXXX. 
Account number # XXXX PLEASE REMOVE INQUIRIES XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604A, Section 2< States a consumer reporting agency can not furnish an account without my written consent and instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section, States no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2024-07-03 00:00:00
Product: Credit reporting 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts below has violated my federal consumer rights to privacy and confidentiality under 15 USC 1681 PERSONAL INFORMATION ADDRESS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX *THIS IS A XXXX OFFICE - NEVER LIVED HERE PLEASE REMOVE DEROGATORY ACCOUNT INFORMATION XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX *PAYMENT HAS NEVER BEEN LATE XXXX XXXX XXXX Account XXXX XXXX XXXX *PAYMENT HAS NEVER BEEN LATE XXXX XXXXXXXX - PLEASE REMOVE Account number # XXXX XXXX XXXXXXXX Account number # XXXX PLEASE REMOVE XXXX XXXX XXXX Account number # XXXX PLEASE REMOVE XXXX XXXX XXXX XXXX Account number # XXXX PLEASE REMOVE XXXX XXXXXXXX XXXX. 
Account number # XXXX PLEASE REMOVE INQUIRIES XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604A, Section 2< States a consumer reporting agency can not furnish an account without my written consent and instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section, States no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2024-07-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
I was promised a XXXX discount on my car insurance if Imparticipated in a safe driving program and after it was over they did not give me the discount. They made false allegations saying I violated driving practices. 
I filed a complaint with the XXXX and they would not respond to them with any statements on charges so the XXXX gave me your link to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 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: MD

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX WAY XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Owed XXXX {$980.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance XXXX : {$980.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$0.00} XXXX XX/XX/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 2024-07-03 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: MD

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Owed XXXX {$980.00} XXXX XXXX XXXX Balance Owed : {$0.00} REC XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance XXXX : {$980.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: W&A Intermediate Co., LLC
State: MS

Complaint narrative:
The repeated calls and messages from Wakefield Associates and its other partners have caused me sleepless nights worrying about safety due to the repeated threats and repeated hang ups this company has been continuing when they find my contact information and are buying it from the credit reporting agencies. I have a right to privacy and a right to be left alone. I refuse to pay a debt that I do not owe. I did send this company via all mediums to leave me alone and they refuse to cease their unlawful and abusive debt collection practice. Every 3-7 years this company pays to find my information just to harass me. They are texting my phone phishing sending me links to click on just to steal my location and information on my phone. I did not authorize them to do this and I as a survivor of trafficking believe that this is someone seeking to cause harm to me and I will notify my tribal communities, law enforcement, and the international governing agencies of this crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am disputing these wrongfully reported accounts on my credit file and requesting an investigation. As stipulated by the Fair Credit Reporting Act, I should receive {$1000.00} for each incorrect entry.

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