vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the THIRD complaint I have had to make about the lack of response. My first was made on XX/XX/2020 with Experian and was accompanied by a dispute submitted directly to the bureau ; the dispute number was XXXX. The second was made on XX/XX/2020 with XXXX and XXXX, which were also accompanied by a dispute submitted directly to the bureau ; those dispute numbers were XXXX ( XXXX ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from the bureaus since my dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything. Data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX  and Experian must be held accountable and to the standards clearly outlined in the FCRA.

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 2020-11-18 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: PA

Complaint narrative:
My personal information, birth certificate drivers license and social security card was stolen on XX/XX/2009 I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, XXXX U.S.C. XXXX, XXXX C.F.R XXXX. See Also XXXX C.F.R XXXX ( b ) In accordance with FCRA, Section XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS XXXX ( XXXX ) XXXX ( XXXX ) {$0.00} balance 120 days late XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) {$180.00} XXXX  XXXX XXXX ( XXXX ) U.S. Department of Education ( XXXX ) {$2400.00} these accounts are hurting my credit dramatically they are in my chances of owning a home for my family please reconsider investigating this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: PA

Complaint narrative:
My personal information, birth certificate drivers license and social security card was stolen on XX/XX/2009 I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. -- CLOSED ACCOUNTS XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} balance 120 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX {$2400.00} these accounts are hurting my credit dramatically they are in my chances of owning a home for my family please reconsider investigating 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 2020-11-18 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: PA

Complaint narrative:
My personal information, birth certificate drivers license and social security card was stolen I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} balance 120 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX {$2400.00} Inquiries Name Type XXXX On The B Individual XX/XX/XXXX XXXX Individual XX/XX/XXXX XXXX XXXX XXXX Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Individual XX/XX/XXXX XXXX Individual XX/XX/XXXX these accounts are hurting my credit dramatically they are in my chances of owning a home for my family please reconsider investigating this matter XXXX XXXX XXXX Credit card Closed XXXX XXXX Credit card Closed XXXX XXXX Credit card Closed XXXX XXXX Credit card Closed Atlcapbkself Installment Closed XXXX Installment Closed Self / Lead Installment Closed Deptednelnet Installment Closed XXXX XXXX XXXX Credit card Closed Us Dept Ed Installment Closed XXXX/XXXX Installment Closed XXXX XXXX Credit card Closed XXXX/XXXX Installment Closed XXXX Collection Closed Please investigate this matter immediately remove an inaccurate 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 explanation
Consumer complaint received 2020-11-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been disputing with the bureaus since XX/XX/2020, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/2020 I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/2020 and I still have not received any correspondence from any of the bureaus on the status of my request. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The XXXX account on my report is incorrectly showing a 30 day late for XXXX of this year. I already spoke with XXXX, and they said they would fix it. I couldn't have had a late payment, as the loans were deferred by the CARES act. It has been 30 days, and my report still hasn't been corrected.

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 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The XXXX account on my report is incorrectly showing a 30 day late for XXXX of this year. I already spoke with XXXX, and they said they would fix it. I couldn't have had a late payment, as the loans were deferred by the CARES act. It has been 30 days, and my report still hasn't been corrected.

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 2020-11-18 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2019, JPMCB CARD SERVICES add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX  XXXX add a hard inquiriy on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2019, GOLDMAN SACHS BANK U add a hard inquiriy on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX SENT DISPUTE LETTERS TO XXXX, EQUIFAX, XXXX XXXX RECEIVED RESPONSE FROM XXXX  XXXX XXXX RECEIVED RESPONSE FROM EQUIFAX XXXX RECEIVED RESPONSE FROM XXXX XXXX SENT DISPUTE LETTERS TO XXXX, EQUIFAX, XXXX  XXXX RECEIVED RESPONSE FROM XXXX  XXXX XXXX RECEIVED RESPONSE FROM EQUIFAX XXXX RECEIVED RESPONSE FROM XXXX  I have sent requests to all 3 credit reporting agencies to correct a public record on my credit file as well as multiple inquiries for credit requests. A bankruptcy that is incorrectly showing on my credit report in which I have included a letter from the U.S. Bankruptcy court stating that they do not report to or furnish debtor/creditor information to the credit bureaus. The responses from all 3 bureaus state that the furnisher of the information is accurate and correct. The corporation reporting this information is XXXX, a company in which I have no dealings, business or contracts with. Furthermore, any and all information acquired and/or provided by XXXX pertaining to myself or my person has been done so without my express consent or by identity theft and should be removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX SENT DISPUTE LETTERS TO XXXX, XXXX, EXPERIAN XXXX RECEIVED RESPONSE FROM XXXX  XXXX XXXX RECEIVED RESPONSE FROM XXXX  XXXX RECEIVED RESPONSE FROM EXPERIAN XXXX SENT DISPUTE LETTERS TO XXXX, XXXX, EXPERIAN XXXX RECEIVED RESPONSE FROM XXXX  XXXX XXXX RECEIVED RESPONSE FROM XXXX  XXXX RECEIVED RESPONSE FROM EXPERIAN I have sent requests to all 3 credit reporting agencies to correct a public record on my credit file as well as multiple inquiries for credit requests. A bankruptcy that is incorrectly showing on my credit report in which I have included a letter from the U.S. Bankruptcy court stating that they do not report to or furnish debtor/creditor information to the credit bureaus. The responses from all 3 bureaus state that the furnisher of the information is accurate and correct. The corporation reporting this information is XXXX, a company in which I have no dealings, business or contracts with. Furthermore, any and all information acquired and/or provided by XXXX pertaining to myself or my person has been done so without my express consent or by identity theft and should be removed as well.

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 2020-11-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been disputing with the bureaus since XX/XX/2020, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/2020 I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/2020 and I still have not received any correspondence from any of the bureaus on the status of my request. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2020-11-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been disputing with the bureaus since XX/XX/2020, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/2020 I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is now XX/XX/2020 and I still have not received any correspondence from any of the bureaus on the status of my request. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XXXX XXXX, 2019, AMERICAN EXPRESS add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: PA

Complaint narrative:
My personal information, birth certificate drivers license and social security card was stolen I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} balance 120 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX {$2400.00} Inquiries Name Type XXXXXXXX XXXX XXXX XXXX Individual XX/XX/XXXX XXXX Individual XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Individual XX/XX/XXXX XXXX Individual XX/XX/XXXX these accounts are hurting my credit dramatically they are in my chances of owning a home for my family please reconsider investigating this matter XXXX XXXX XXXX Credit card Closed XXXX XXXX Credit card XXXX XXXX XXXX Credit card Closed XXXX XXXX Credit card Closed XXXX  Installment Closed XXXX Installment Closed XXXX / XXXX XXXX Closed Deptednelnet Installment Closed XXXX XXXX XXXX Credit card Closed Us Dept Ed Installment Closed XXXX/XXXX Installment Closed XXXX XXXX Credit card Closed XXXX/XXXX Installment Closed XXXX Collection Closed Please investigate this matter immediately remove an inaccurate information

Company response to consumer: Closed with explanation