vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-03 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$530.00} ; XXXXXXXX XXXX XXXX XXXX Balance XXXX XXXX {$940.00} XXXX XXXX XXXX Balance Owed : {$5400.00}

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 2022-12-03 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$530.00} ; XXXX XXXX XXXX  XXXX Balance Owed XXXX {$940.00} XXXX XXXX XXXX Balance Owed : {$5400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: CO

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: CO

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03 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: GA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; Bankruptcy XXXX XXXX  Bankruptcy Liability : {$0.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: GA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; Bankruptcy XXXX XXXX Bankruptcy Liability : {$0.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-12-03 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: PA

Complaint narrative:
My name XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: PA

Complaint narrative:
My name XXXX 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 2022-12-03 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: PA

Complaint narrative:
My name XXXX 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 2022-12-03 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: CA

Complaint narrative:
I have notified and provided proof of payment to the credit reporting agencies that the balance owing for XXXX is not accurate and it was seated on XX/XX/22. 

The response I received from the credit reporting companies is that the balance is accurate, I also submitted proof of payment from the collection company, but still no resolution as of today. 

Company is Transunion.

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 2022-12-03 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$0.00}

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 2022-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent in a dispute for accounts that do not belong to me! I sent this letter to the bureaus over 30 days ago!! 

I began trying to obtain a home for my family and was denied due to erroneous information present on my credit reports. Since I noticed the incorrect information and accounts I got in contact with all the bureaus, which they then told me to submit my disputes through writing. I have been spending my time and money to submit these disputes to the bureaus and yet they do not provide me with any proof of ownership on ANY of the disputed accounts. I feel TARGETED and ATTACKED by these bureaus that are suppose to help consumers! 

The bureaus XXXX, XXXX, and TransUnion are also blatantly breaking the law by taking over 30 days to investigate my dispute and by reflecting accounts on my credit report that are inaccurate and inconsistent. They are in direct violation of FCRA 605!! And the Fair Credit Reporting Act, 15 U.S.C. 1681g! 

The accounts I disputed are showing inaccurate Last Active Date, Payment History, high limit amount, date opened, payment history are all NOT reporting the same across all bureaus and this is NOT Metro 2 complaint, a regulation that all bureaus NEED to follow. 

I beg you please help me correct these issues because it is truly unfair that I am not able to obtain a home for my family like others can. I am starting to feel that because I am XXXX American I am being targeted and not being allowed to progress because they are placing these inaccurate accounts on my consumer 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 2022-12-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent in a dispute for accounts that do not belong to me! I sent this letter to the bureaus over 30 days ago!! 

I began trying to obtain a home for my family and was denied due to erroneous information present on my credit reports. Since I noticed the incorrect information and accounts I got in contact with all the bureaus, which they then told me to submit my disputes through writing. I have been spending my time and money to submit these disputes to the bureaus and yet they do not provide me with any proof of ownership on ANY of the disputed accounts. I feel TARGETED and ATTACKED by these bureaus that are suppose to help consumers! 

The bureaus XXXX, Equifax, and XXXX are also blatantly breaking the law by taking over 30 days to investigate my dispute and by reflecting accounts on my credit report that are inaccurate and inconsistent. They are in direct violation of FCRA 605!! And the Fair Credit Reporting Act, 15 U.S.C. 1681g! 

The accounts I disputed are showing inaccurate Last Active Date, Payment History, high limit amount, date opened, payment history are all NOT reporting the same across all bureaus and this is NOT Metro 2 complaint, a regulation that all bureaus NEED to follow. 

I beg you please help me correct these issues because it is truly unfair that I am not able to obtain a home for my family like others can. I am starting to feel that because I am XXXX American I am being targeted and not being allowed to progress because they are placing these inaccurate accounts on my consumer report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: MI

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 2022-12-03 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: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
XXXX XXXX. ALL OF YOUR NEWST ADVERSE INFORMATION WILL FOEVER BEEN UNDER DISPUTE FOR INACCURATE NEGATIVE INFORMATION! SEQUIUM ASSET SOLUTIONS INC. WILL ACQUIRE NOTHING. IF XXXX DID NOT TELL THEM ABOUT WHO I AM- THEY WILL GET NOTHING FROM ME. SOMETIME AGO, REINSERTED OLD OUTDATED ADDRESS XXXX NUMNERS AS WELL AS OTHER ADVERSE AND INCORRECT INFORMATION. XXXX AQUIRED XXXX PARTY INFORMATION TO DIG UP AND THROW ONTO PEOPLE 'S CONSUMER REPORTS WITH CONSUMER CONSENT BEFOREHAND VIOLATING THE CONDITIONS UNDER WHICH LAY THE CONCRETE OF 15 U.S.C. 1681 BACKBONE OF THE FCRA. XXXX GOAL - MAKE PROFIT BY ANY TERMS. THIS WILL SET THE STAGE IN THAT XXXX AND THE OTHER CRAS ARE INCAPABLE OF HOLDING AN KEEPING ANY PRIVATE PARTY SAFE AND PROTECTED BECAUSE XXXX XXXX ITSELF IS A COLLECTOR AND SELLER OF PERSONAL INFORMATION TO THE HIGHEST BIDDER - FOR THE XXXX PRICE. BE WARNED XXXX - FOR DIGGING THROUGH MY REPORTS FOR FOR OWN GAIN. YOUR TIME IA PASSED. YOUR COMPANIES SHOULD AT ALL COST. SHOULD BE BROKEN UP AND AOLD TO THOSE THAT HONESTLY KNOW THE MEANING OF " PRIVATE ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: TX

Complaint narrative:
XXXX XXXX. ALL OF YOUR NEWST ADVERSE INFORMATION WILL FOEVER BEEN UNDER DISPUTE FOR INACCURATE NEGATIVE INFORMATION! XXXX XXXX XXXX XXXX WILL ACQUIRE NOTHING. IF TOU DID NOT TELL THEM ABOUT WHO I AM- THEY WILL GET NOTHING FROM ME. SOMETIME AGO, REINSERTED OLD OUTDATED ADDRESS PHOMEA NUMNERS AS WELL AS OTHER ADVERSE AND INCORRECT INFORMATION. XXXX AQUIRED 3RS PARTY INFORMATION TO DIG UP AND THROW ONTO PEOPLE 'S CONSUMER REPORTS WITH CONSUMER CONSENT BEFOREHAND VIOLATING THE CONDITIONS UNDER WHICH LAY THE CONCRETE OF 15 U.S.C. 1681 BACKBONE OF THE FCRA. XXXX GOAL - MAKE PROFIT BY ANY TERMS. THIS WILL SET THE STAGE IN THAT XXXX AND THE OTHER CRAS ARE INCAPABLE OF HOLDING AN KEEPING ANY PRIVATE PARTY SAFE AND PROTECTED BECAUSE XXXX XXXX ITSELF IS A COLLECTOR AND SELLER OF PERSONAL INFORMATION TO THE HIGHEST BIDDER - FOR THE EIFHT PRICE. BE WARNED XXXX - FOR DIGGING THROUGH MY REPORTS FOR FOR OWN GAIN. YOUR TIME IA PASSED. YOUR COMPANIES SHOULD AT ALL COST. SHOULD BE BROKEN UP AND AOLD TO THOSE THAT HONESTLY KNOW THE MEANING OF " PRIVATE ''

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 2022-12-03 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: LEXISNEXIS
State: MN

Complaint narrative:
I currently have no bankruptcy records reporting on my Lexis Nexis Consumer Report. I have never filed for bankruptcy. XXXX XXXX, XXXX, and XXXX has informed me that Lexis Nexis verified and reported the following public record : Bankruptcy XXXX XXXX-Discharged, Filed Date : XX/XX/XXXX, Reference Number : XXXX, U.S. Bankruptcy Court , XXXX, Minnesota. The public record is inaccurate and not my public record. I want Lexis Nexis Corporate Office to immediately send a letter to XXXX XXXX, XXXX, and XXXX requesting for XXXX XXXX, XXXX, and XXXX to immediately delete and remove the above public record from my credit reports since the public record is not my public record and the public record is not listed on my Lexis Nexis Consumer Report : XXXX. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief