vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX  Date of inquiry : XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX  Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/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 explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, 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:
On XX/XX/2022 I sent a postal-certified mail dispute letter to Experian to correct my address. I showed my NY state I.D, Social Security card, my w2 form, address Tenant information, and a letter from my student loan all matching my correct Address. Experian responded with the dispute results on XX/XX/2022, and they did not correct my address. 

On XX/XX/2022 I sent a 2ND postal-certified mail dispute letter to Experian to correct my address. I showed my NY state I.D, Social Security card, my w2 form, address Tenant information, my bank statement, and a letter from my student loan all matching my correct Address. I ALSO added a picture of my building resident with my correct address. Experian responded with the dispute results on XX/XX/2022, but they still failed to correct the address. 

On XX/XX/2022 I sent a 3RD postal-certified mail dispute letter to Experian to correct my address. I showed my NY XXXX XXXX, Social Security card, my XXXX form, address Tenant information, my bank statement, and a letter from my student loan all matching my correct Address and a picture of my building resident with my correct address. I also showed Experian the comparison between them and the other two credit bureaus such as XXXX XXXX, and XXXX has my correct address except for Experian. Experian responded with the dispute results on XX/XX/2022, and they finally corrected my address, but however, they put the incorrect address back on the credit report AFTER THE DISPUTE RESULTS for some reason. 

On XX/XX/2022 I sent a 4TH postal-certified mail dispute letter to Experian to correct my address. I showed my NY state I.D, Social Security card, my w2 form, address Tenant information, my bank statement, and a letter from my student loan all matching my correct Address and a picture of my building resident with my correct address. I gave Experian one last chance to correct my address before I escalate to the CFPB and the State Attorney General 's Office. Experian responded with the dispute results on XX/XX/2022, and they corrected my address for the 2nd time, but however, they put the incorrect address back on the credit report AGAIN AFTER THE DISPUTE RESULTS. They are refusing to correct my address. 

As of XX/XX/2022 Experian still is reporting the incorrect address on my credit reporting file.

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 2022-10-17 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: NV

Complaint narrative:
I 'am a victim of identity theft. This account doesn't belong to me. 
I never heard of this company or done any business with them. 
Someone is using my credit to purchase items fraudulently. 
I was alerted XXXX someone was trying to apply for credit card in my name. 
I have attached my ftc report items are fraudulent. 
I demand immediate removal.

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 2022-10-17 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:
I am submitting this CFPB complaint in regard to the erroneous accounts being reported by the Credit Bureau on my Credit Report. I have read that Credit Reporting Agency are required to validate for themselves the information they report on a consumer 's Credit File under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I previously requested the Credit Bureau to update the payment history of the accounts in dispute. Upon reviewing my updated Credit report, I immediately noticed that the Accounts in dispute are still reporting as late. If the Credit Bureau chose to not comply with the law and does not correct the payment status of the following accounts, I will be forced to initiate legal actions. If it is not that too much trouble, I need the Credit Bureau to correct the following accounts : XXXX XXXX XXXX Balance Owed : {$220000.00} ; XXXX XXXX Balance Owed : {$960.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: SC

Complaint narrative:
I never open a XXXX  account. I contacted the creditor by mail and by email in XXXX and XXXX. Again recently in XXXX. I have contacted transunion no response. I would like for the information to be removed before exploring other remedies to bring legal action. This account was open during the XXXX security breach.

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 2022-10-17 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX XXXX of inquiry : XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX  Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of XXXX : XX/XX/2021 ; XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021

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 2022-10-17 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX XXXX of inquiry : XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX  Date of inquiry : XX/XX/2021 ; XXXX XXXX  Date of XXXX : XX/XX/2021 ; XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: FL

Complaint narrative:
My name 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 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 2022-10-17 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: FL

Complaint narrative:
My name 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 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 2022-10-17 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: MN

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. Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging record? I have already disputed this account several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting this account. Additionally, I contacted the bank and they told me they would delete the account from my file. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE this account from my file like the other bureaus have done. 

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 2022-10-17 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: MN

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. Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Transunion. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging record? I have already disputed this account several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting this account. Additionally, I contacted the bank and they told me they would delete the account from my file BUT TransUnion has some internal block that they're claiming they can use to not block the account because they feel they're above the law. I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE this account from my file like the other bureaus have done. 

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 2022-10-17 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: NV

Complaint narrative:
I 'am a victim of identity theft. This account doesn't belong to me. 
I never heard of this company or done any business with them. 
Someone is using my credit to purchase items fraudulently. 
I was alerted XXXX someone was trying to apply for credit card in my name. 
I have attached my ftc report items are fraudulent. 
I demand immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: NV

Complaint narrative:
I 'am a victim of identity theft. This account doesn't belong to me. 
I never heard of this company or done any business with them. 
Someone is using my credit to purchase items fraudulently. 
I was alerted Experian someone was trying to apply for credit card in my name. 
I have attached my ftc report items are fraudulent. 
I demand immediate removal.

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 2022-10-17 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: WA

Complaint narrative:
I have sent letters disputing the discrepancies of my credit reports in XX/XX/XXXX. XXXX and Experian never responded. So I sent a second round in XX/XX/XXXX asking for verification of the accounts that were questioned. They came back as verified. So, I took the next steps that is being described below : Upon reviewing all of my credit bureau reports, I noticed discrepancies with Experian and XXXX regarding my XXXX XXXX XXXX XXXX account. For XXXX, my date of last activity ( XXXX ) was XX/XX/XXXX. For Experian it was XX/XX/XXXX. Experian was sporadically reporting CHARGE OFFs at random. I wrote both XXXX and Experian with a factual dispute stating that there is a huge discrepancy between the XXXX for XXXX account and please delete the accounts. This was in XX/XX/XXXX. 

Transition didn't update my account and it remained on my credit report. Experian " updated '' my account by deleting all of the random XXXX XXXX from XXXX. Then, they chose to add XXXX charge off to XX/XX/XXXX as if this was a new charge off account! ( I am submitting copies of my copies of my XXXX account with Experian ) I proceeded to speak to a representative in person at XXXX. She directed me to Credit Bureau Disputes Department at XXXX. They agree that they shouldn't have randomly added XX/XX/XXXX as a CHARGE OFF. XXXX and then XXXX XXXX at XXXX Credit Bureau XXXX XXXX wrote correspondences to me stating that they have alerted Experian to correct the CHARGE OFF for XX/XX/XXXX. This was in XX/XX/XXXX and it has yet to be resolved by Experian.

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I XXXX XXXX, am requesting all security freezes, statements regarding fraud alerts, be removed from my file

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 2022-10-17 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: RI

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 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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:
I am submitting this CFPB complaint in regard to the erroneous accounts being reported by the Credit Bureau on my Credit Report. I have read that Credit Reporting Agency is required to validate for themselves the information they report on a consumer 's Credit File under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I previously requested the Credit Bureau to update the payment history of the accounts in dispute. Upon reviewing my updated Credit report, I immediately noticed that the Accounts in dispute are still reporting as late. If the Credit Bureau chose to not comply with the law and does not correct the payment status of the following accounts, I will be forced to initiate legal actions. If it is not that too much trouble, I need the Credit Bureaus to correct the following accounts : XXXX XXXX XXXX Balance Owed : {$220000.00} ; XXXX XXXX Balance Owed : {$960.00} ;

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