vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-16 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: LA

Complaint narrative:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: CA

Complaint narrative:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the XXXX whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX BANK XXXX XXXX Date opened XX/XX/XXXX Balance {$1500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6100.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$430.00}.

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 2023-01-16 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: FL

Complaint narrative:
I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 2023-01-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Re : CFPB XXXX XXXX My dispute was sent thru CFPB XXXX and was received by Experian credit bureau XX/XX/XXXX XXXX an interim response on XX/XX/XXXX. 

It is now XX/XX/XXXX XXXX days from the initial date and XXXX since their stall response without a dispute result. 

I feel I have provided more than the required amount of time allotted by the FCRA for this dispute and NOW I am demanding this information be removed from my credit report. 

Please provide my XXXX corrected report with the required deletion this week.

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 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TransUnion credit Bureau is reporting unauthorized inquiries XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXXXX/XX/22 XXXX credit Bureau is reporting unauthorized inquiries XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 I contacted both Credit Bureaus to resolve the issue but was denied

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 2023-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
Hello, I closed my account with XXXX in good standing in XX/XX/XXXX. Services were deactivated and I was informed that I will not receive the credit for unused service. I had a prepaid no-contract cell phone plan ( {$25.00} plus taxes ) with XXXX and made the first payment of {$67.00} on XX/XX/XXXX. Had a scheduled auto payment and have been billed monthly. The last payment of {$40.00} I made was on XX/XX/XXXX. The account was closed, and my auto pay was deactivated. Unfortunately, XXXX kept billing me and without any notice sent me to the collection agency. I disputed the above with XXXX and Source Receivables Management but have not received any correspondence. According to XXXX, I have an unpaid balance for XXXX, XXXX, and XXXX of XXXX. Firstly, the account was closed in good standing in XX/XX/XXXX. The last full monthly payment was made on XX/XX/XXXX. After service activation, I was billed for two full months in advance. At this point, I do not understand how I can be billed for services never received and for months ( XXXX and XXXX ) I paid for prior termination of my account. This is a XXXX time I am placed with a collection agency, at this point this is harassment. Prior collection entries was removed and XXXX placed me with another collection agency, with a balance of {$200.00} or unspecified balance. Why does the balance of my collection account keep going up? I am looking for help with the abovementioned, as I can not be liable for services I have never received and sent to collections on services I already paid for. I had only a pre- paid cell phone service with my own phone, no agreement, paid two months in advance and I called to cancel the service!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: OR

Complaint narrative:
I had applied to various pre-approved credit cards on credit Karma and was denied on all of them which resulted in me get a low credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Was at Kohls store located at XXXX XXXX XXXX XXXX XXXX, CA XXXX. When checking out I wanted to use Kohls XXXX. The cashier said she needed some information to look up my account. I gave her the requested information including my driver 's license and SSN. She then preceded to use my information to apply for a Kohls Credit card with out my consent. After checking out she told me the charge would be made to my Kohls Credit card. When I explained to her I did not have XXXX, she said " I just signed you up for XXXX '' I did not consent to this credit card. This was XX/XX/23 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16 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: FL

Complaint narrative:
I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 2023-01-16 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: FL

Complaint narrative:
I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: AZ

Complaint narrative:
This item is inaccurate because the CARES ACT provided protection to consumers who were affected during the COVID-19 Pandemic. The late payment with XXXX XXXX ( Acct # XXXX ) shows on my credit report XXXX 2021/XXXX 2021. The CARES Act provided consumers with protection as many of us were on very hard times. We soon after received Forbearance on our Mortgage and didn't receive approval until several months later. I believe this adverse information has been incorrectly added on my credit report. Please reinvestigate this matter and remove the negative payment history from my credit report.

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 2023-01-16 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

Account Name- XXXX Acct # XXXX XXXX XXXX XXXX Acct name- XXXX Acct # XXXX 15 U.S.C1681 section 602 A. states that I have the right to privacy.

15 U.S.C section 602 A. It states a comsumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer reports containing any of the following items of any information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 2023-01-16 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

Account Name- XXXX Acct # XXXX XXXX XXXX XXXX Acct name- XXXX Acct # XXXX 15 U.S.C1681 section 602 A. states that I have the right to privacy.

15 U.S.C section 602 A. It states a comsumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer reports containing any of the following items of any information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 2023-01-16 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:
XXXX, TransUnion, and XXXX have failed to removed several inquiries that I did not authorize. I have sent letters to each bureau detailing that the information is not accurate. The companies XXXX XXXX, XXXX, and or XXXX XXXX claims that they are indeed accurate. I never authorized anyone to pull my credit to address mortrgages. 

According to the Fair Credit Reporting Act, they are required by federal law to ensure that all details being reported on an account must me 100 % accurate and verifiable. If they are unable to correct these inaccuracies for any accounts listed, then per FCRA requirements they should have removed the inaccurate inquiry ( s ) entirely from my credit report.

Thank you for your attention to this matter.

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 2023-01-16 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:
XXXX, XXXX, and Experian have failed to removed several inquiries that I did not authorize. I have sent letters to each bureau detailing that the information is not accurate. The companies XXXX XXXX, XXXX, and or XXXX XXXX claims that they are indeed accurate. I never authorized anyone to pull my credit to address mortrgages. 

According to the Fair Credit Reporting Act, they are required by federal law to ensure that all details being reported on an account must me 100 % accurate and verifiable. If they are unable to correct these inaccuracies for any accounts listed, then per FCRA requirements they should have removed the inaccurate inquiry ( s ) entirely from my credit report.

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
For nearly a year I have been trying to get my credit report from Equifax via mail and online. My account does not let me login and Equifax claims there is nothing wrong. However when I gave them my login information they tried to access it and couldn't. I keep receiving emails saying it's fixed and it never is. This is my last time trying to get them to fix this before I launch a Federal lawsuit. I have not been able to get any help. I have tried to dispute items but because Equifax refuses to respond to my pleas to fix my account or answer my mail they continue to violate my rights. They keep lying and making excuses. 


My Equifax email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 


In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE VIOLATED MY RIGHTS!!! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 other 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 of 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 2023-01-16 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: AZ

Complaint narrative:
This item is inaccurate because the CARES ACT provided protection to consumers who were affected during the COVID-19 Pandemic. The late payment with XXXX XXXX ( Acct # XXXX ) shows on my credit report XXXX XXXX XXXX The CARES Act provided consumers with protection as many of us were on very hard times. We soon after received Forbearance on our Mortgage and didn't receive approval until several months later. I believe this adverse information has been incorrectly added on my credit report. Please reinvestigate this matter and remove the negative payment history from my credit report.

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 2023-01-16 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: AZ

Complaint narrative:
This item is inaccurate because the CARES ACT provided protection to consumers who were affected during the COVID-19 Pandemic. The late payment with XXXX XXXX ( Acct # XXXX ) shows on my credit report XXXX XXXX XXXX. The CARES Act provided consumers with protection as many of us were on very hard times. We soon after received Forbearance on our Mortgage and didn't receive approval until several months later. I believe this adverse information has been incorrectly added on my credit report. Please reinvestigate this matter and remove the negative payment history from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 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: IL

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation