vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion, XXXX and XXXX have all misreported my information time and time again. 

I sent a request to fix on XX/XX/year>, through my app that allows for disputes. I have heard nothing. The lack of history is negatively impacting my credit and ability to ascertain the most beneficial loan for homeownership.

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 2024-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit 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 explanation
Consumer complaint received 2024-06-14 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: TN

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
I have filed XXXX disputes over the last few months and I am now under investigation for fraud even though I did not make those charges. They said the charges show XXXX XXXX and mobile payments all coming back to me and no other phone or devices. I did not make these charges but I do not want to deal with fines if I am charged as responsible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I noticed my score dropped significantly ( XXXX points ) last week XXXX week of XX/XX/2024 with Equifax. When I looked at my profile there was a name I don't recognize and never used ( XXXX XXXX XXXX ). 
There were also XXXX address ( XXXX in XXXX  and another in the XXXX ) that I didn't recognize. I have never lived or worked in the XXXX. 
I submitted a report explaining this. I now see the addresses appear to be removed but the name, XXXX XXXX XXXX is still there. 
I want this name and the addresses if still there, removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am distressed to have this posted to my credit report without my written consent. This is a formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed. I am in the process of buying a house and this is hindering me from doing such. This account has inaccurate information. According to Law 15 USC 1681 I did not give written permission to have accounts furnished on my report. 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.

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 2024-06-14 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: EQUIFAX, INC.
State: FL

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 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : DEPT OF ED / XXXX : Account Number : XXXX Account Name : DEPT OF ED / XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
Received XXXX calls since XX/XX/year> to XX/XX/year>. They do not indicate my name, account number or my social when leaving the message or, date when called, same recorded lady voice on every message. I have never received correspondence letters from anyone saying I have a debt owed from them or any other company. I have check my credit reports and county records looking for judgements and I show none and my accounts are up to date. 
I do not want to reach out to companies like this due to fearing being scammed and taking my personal information. Please get this to stop. The that says us calling is XXXX and they say to call back at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: FL

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.

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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-14 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: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-14 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I sent a request to open a dispute in regards to accounts that are reporting inconsistently on my credit report. To my understanding when it comes to credit reporting. My accounts should reflect the same information across all credit bureaus. From what I see this is not the case. I sent a dispute before this one acknowledging the fact that I wanted to dispute the accounts below that I'm re-disputing because I didn't receive a response back about my last dispute. Please look into my concerns. The information reporting is not accurate as as a result I am requesting it be addressed. 

XXXX : Account number : XXXX, Please address this late payment and update its status to paid. Could you please modify the late payment to show it was paid on time? 

XXXX XXXX : Account number : XXXX, Please verify this late payment and ensure it is recorded as paid. Please ensure the late payment is updated to show it was paid on time. 

XXXX : Account number : XXXX, I request that you look into this late payment and confirm it is marked as paid. I request that you change the late payment status to reflect it was paid on time. 

XXXX : Account number : XXXX, Kindly review this late payment and correct it to show as paid. Kindly adjust the late payment to show it was paid on time. 

XXXX XXXX XXXX : Account number : XXXX, Please investigate this late payment and update it to reflect that it has been paid. Please update the late payment to reflect it was paid on time. 

As quickly as possible, the information needs to be removed from my report if you find that the information reported in incomplete, inaccurate, and unverifiable. Due to the lack of responding to my prior dispute one can assume that this falls under estoppel by silence. Since this seems to be the case I would appreciate the adherence to my request involving these accounts. There has been a grave mistake in your reporting because the material is false and deceptive. 

Please take note that you are also required to submit a summary of the process you used to assess the completeness and accuracy of the information. This description must be sent within fifteen ( 15 ) days of your re-investigation 's conclusion. I am requesting my results by mail as well with an update. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc.
State: MI

Complaint narrative:
My Prosper ( in XXXX ) & XXXX ( in XXXX ) Credit cards were reported at over limit Both credit card companies corrected those errors on my online accounts and with the credit bureaus. 
( Thank you very much XXXX XXXX XXXX! ) The remaining issue I have is it appears, the negative overlimit mark hasnt been retracted on my credit reports. 

Thats all I need. 
Please retract the negative overlimit marks with the credit bureaus re my Prosper card ( XXXX ) XXXX ( XXXX ) Your speedy remedy would be greatly appreciated!! 

It came to my attention that those marks may still be reporting to the credit bureaus when I applied for a credit limit increase was turned down bc of the over limits re my Prosper and XXXX cards according to the letter I received. 

Thank you so much for your timely assistance with this matter!! 

Please all 3 Credit Bureaus so any Overlimit Remarks are retracted from my XXXX, XXXX, XXXX reports Re Prosper card ( XXXX ) XXXX ( XXXX ) THANK YOU!!

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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My XXXX ( in XXXX ) & XXXX ( in XXXX ) Credit cards were reported at over limit Both credit card companies corrected those errors on my online accounts and with the credit bureaus. 
( Thank you very much XXXX XXXX XXXX! ) The remaining issue I have is it appears, the negative overlimit mark hasnt been retracted on my credit reports. 

Thats all I need. 
Please retract the negative overlimit marks with the credit bureaus re my XXXX card ( XXXX ) XXXX ( XXXX ) Your speedy remedy would be greatly appreciated!! 

It came to my attention that those marks may still be reporting to the credit bureaus when I applied for a credit limit increase was turned down bc of the over limits re my XXXX and XXXX cards according to the letter I received. 

Thank you so much for your timely assistance with this matter!! 

Please all 3 Credit Bureaus so any Overlimit Remarks are retracted from my XXXX, Equifax, XXXX reports Re XXXX card ( XXXX ) XXXX ( XXXX ) THANK YOU!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: MI

Complaint narrative:
My XXXX  ( in XXXX ) & XXXX ( in XXXX ) Credit cards were reported at over limit Both credit card companies corrected those errors on my online accounts and with the credit bureaus. 
( Thank you very much XXXX XXXX XXXX! ) The remaining issue I have is it appears, the negative overlimit mark hasnt been retracted on my credit reports. 

Thats all I need. 
Please retract the negative overlimit marks with the credit bureaus re my XXXX card ( XXXX ) XXXX ( XXXX ) Your speedy remedy would be greatly appreciated!! 

It came to my attention that those marks may still be reporting to the credit bureaus when I applied for a credit limit increase was turned down bc of the over limits re my XXXX and XXXX cards according to the letter I received. 

Thank you so much for your timely assistance with this matter!! 

Please all 3 Credit Bureaus so any Overlimit Remarks are retracted from my XXXX, XXXX, Experian reports Re XXXX  card ( XXXX ) XXXX  ( XXXX ) THANK YOU!!

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 2024-06-14 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
I have been a XXXX XXXX XXXX XXXX holder since 2004. I very recently moved. I updated my information on my credit card account online and also by phone. XXXX sent me a new XXXX XXXX XXXX XXXX to my new address. I activated it online. An email from XXXX confirmed that the card was activated. 
Unfortunately, each time I try to use the card, it is not accepted. 
Checking my account online confirmed my information is correct. My attempts to resolve the issue were not successful. 
Today, I paid the balance remaining from the old card ( {$24.00} ) at a XXXX store in person using the new credit card. The card was accepted for the purpose of making a payment. 
I called XXXX XXXX Services, and after another unsuccessful attempt to resolve the issue, I asked that my account be closed. The card services representative refused to close the account, refused to provide information about how to close the account, and further, repeatedly told me that the account could not be closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Dispute was supposed to be resolved by XX/XX/15 and it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 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: EQUIFAX, INC.
State: TX

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 15 USC 1681.

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 if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have written multiple dispute letters to them using consumer law 605B stating that they have being reporting to my credit report without my written permission to do so. I filed a dispute on XX/XX/XXXX and the result came back XXXX XXXX with the report being updated to be report as if I am currently late when the account had been since XX/XX/XXXX.

Company response to consumer: Closed with explanation