vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 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: GA

Complaint narrative:
The following items are reporting on my credit file incorrectly and there are some items that do not belong to me : The following that is incorrect are : 1. XXXX - This account is showing inaccurate late for XX/XX/XXXX - XX/XX/XXXX ; please provide me with proof of these inaccurate reportings are correct. 

2. XXXX  XXXX - This account is showing inaccurate late for XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX ; please provide me with proof that these inaccurate reporting are correct. 

3. XXXX - This account is showing inaccurate late for XXXX & XX/XX/XXXX ; please provide me with proof that these inaccurate reporting are correct. 

4. Incorrect Address Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts does not belong to me. This is not my accounts : 1. XXXX - This is not my account ; I never opened this account. 

2. XXXX XXXX - This is not my account ; I never opened this account ; Bal : {$0.00} 3. XXXX XXXX - This is not my account ; I never opened this account ; Bal : {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The account associated with XXXX XXXX XXXX is in litigation and under the settlement, XXXX is required to provide relief to consumers and, moving forward, is required to factor a consumers ability to pay the loan into its underwriting. XXXX will pay {$65.00} XXXX to the XXXX participating states which includes Illinois for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX. The account number XXXX is included in this current settlement which as a result is required to be removed from all three credit bureaus. 

For consumers with the lowest quality loans who defaulted as of XX/XX/XXXX and have not had their cars repossessed, XXXX is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} XXXX in loan forgiveness. XXXX will also pay up to {$2.00} XXXX for the settlement administrator who will administer restitution claims and pay an additional {$5.00} XXXX to the states. 

The settlement also includes significant consumer relief by way of loan forgiveness. In all, XXXX has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by XXXX, and additional deficiency waivers of loans that XXXX no longer owns but is required to attempt to buy back.

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 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This account is in error and the credit bureaus are just doing the same old thing over and over again, and it is just tiring. I disputed the information and it came back verified even though the information was incorrect. As showed in the picture below the date opened for for all three bureaus are wrong, the account balance is wrong, and the date last active is just wrong. I wasn't even in XXXX all of XXXX, I have been living in XXXX since the end of XXXX. I'm in talks with a new potential employer and due to their requirements I can't have any collections on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: IL

Complaint narrative:
The account associated with XXXX XXXX XXXX is in litigation and under the settlement, XXXX is required to provide relief to consumers and, moving forward, is required to factor a consumers ability to pay the loan into its underwriting. XXXX will pay {$65.00} XXXX to the 34 participating states which includes Illinois for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX. The account number XXXX is included in this current settlement which as a result is required to be removed from all three credit bureaus. 

For consumers with the lowest quality loans who defaulted as of XX/XX/XXXX and have not had their cars repossessed, XXXX is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} XXXX in loan forgiveness. XXXX will also pay up to {$2.00} XXXX for the settlement XXXX who will administer restitution claims and pay an additional {$5.00} XXXX to the states. 

The settlement also includes significant consumer relief by way of loan forgiveness. In all, XXXX has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by XXXX, and additional deficiency waivers of loans that XXXX no longer owns but is required to attempt to buy back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: AL

Complaint narrative:
The following items are reporting incorrect late status on my credit file : 1. XXXX - reporting incorrect lates from XX/XX/XXXX - XX/XX/XXXX 2. XXXX XXXX XXXX - reporting incorrect late 120 & 180 day status 3. XXXX - reporting incorrect late 120 day status 4. XXXX XXXX XXXX  - reporting incorrect 120 days late on XX/XX/XXXX 5. XXXX XXXX XXXX  - reporting incorrect late 120 & 180 day status ( maybe a duplicate account ) 6. Incorrect Address Information : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The below items never belong to me and is reporting on my credit file : 1. XXXX XXXX - This is not my account 2. XXXX XXXX XXXX - This is not my account 3. XXXX XXXX XXXX - This is not my account or a duplicate of another 4. XXXX  XXXX XXXX - This is not my account 5. XXXX XXXX XXXX - This is not my account 6. XXXX - XXXX XXXX - This is not my account 7. XXXX XXXX XXXX - XXXX XXXX XXXX This is not my account 8. UNKNOWN ACCT ( Bal : {$100.00} ) - This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 55 days they have not updated my credit report. They keep sending me verified item but arent really telling me how these investigations were being conducted. I have placed phone calls ; they have ignored all my requests to delete these inaccurate items off my credit. At this point I feel as I am being taken advantage of and would like for specifically XXXX XXXX XXXX to delete these inaccurate accounts off my credit report at once. I demand for these unfairly reported accounts and inquiries to be deleted or I will file for litigation due to the XXXX you have brought upon my family. My information was also impacted by the Equifax data breach and might have gotten into the wrong hands. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interests every year. Therefore, this is not just a regular dispute as I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  and to my knowledge I do not recall any of these accounts. I need this problem resolved as soon as possible. I will not wait another 55 days to receive no favorable or inconclusive response, for clearly you are ignoring my request to re-investigate and most importantly delete these unfairly reporting accounts off my credit report. I will file for litigation due to the XXXX you have caused me unless we agree to delete. Please keep in mind in section 611 ( a ) it is plainly stated that a failure to investigate properly within 30 days gives a reason to immediately remove those items from my credit report. It has been 55 days, so they should be deleted at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
on XX/XX/2021 I pulled my credit report and noticed inquiries on my credit report that I did not authorize it was from XXXX of a company by the name of XXXX XXXX, I contacted Transunion because I was not able to dispute the information online the system stated I had to call in, upon calling I was denied being able to dispute my information online and over the phone. I explained i did not apply for any credit and that my information has been exposed due to a breach from an employer and my social security, bank account and personal information was exposed, I received notice to contact the bureaus if I noticed anything suspicious on my credit report. TransUnion refused to remove the inquiries from 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 2021-02-10 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: IL

Complaint narrative:
This letter is in response to your phone call about the letter dated XX/XX/XXXX, concerning the above-referenced account number. This is an " unauthorized account '' and I also have checked with my state attorney general and confirmed that the statute of limitations on this type of debt has expired after five years. This account is dated for XX/XX/XXXX on my consumer report. Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired. 
Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Please review the FTC Theft report. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. 

NOTE : The Appellate Court of Illinois, First District, recently held that a credit card agreement was an unwritten contract subject to Illinois five-year statute of limitations, rather than its XXXX statute of limitations. XXXX XXXX, XXXX. XXXX XXXX, XXXX. XXXX, XXXX WL XXXX, at XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: IN

Complaint narrative:
On XX/XX/XXXX, I sent a letter to TransUnion stating that the unverified item listed remains on my credit report in violation of Federal Law. TransUnion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their most recent investigation, they again stated in writing that the item is VERIFIED AS ACCURATE? 

As of today, TransUnion has not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to promptly DELETE all information which can not be verified. 

In fact, the original creditor listed has advised that they have no account for me on file. ( A copy of their response letter to me is enclosed ). The original creditor can not verify this account, so there is no way TransUnion properly verified the account. 

I have informed TransUnion that I am prepared to seek any and all legal remedies afforded to me ( including monetary damages ) as provided under the law if this is not removed. They have chosen to not remove the account.

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 2021-02-10 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: GA

Complaint narrative:
On XX/XX/2021 I sent law enforcement report, ID, and utility bill to EquifaxXXXX XXXX XXXX XXXX so that they could block the fraudulent charges appearing on my credit report. I received communication via letters and over the phone that they ignored my dispute because they didn't think I sent it. So I have hand written my dispute and attached the previous dispute. The bureaus failed to respond to investigate the initial dispute within 30 days and are in violation of FDCPA. The items contain fraudulent charges and they were required to remove the items within 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance Collection Agencies, Inc.
State: AL

Complaint narrative:
Sent validation of debt letter by XXXX overnight in late XX/XX/XXXX, never received response within the legally required 30 day window by FDCRA. Validates account as valid with every dispute with evidence that they have violated the law. State account opened by them in XX/XX/XXXX but failed to ever contact me, didnt list on my credit until XX/XX/XXXX and update the balance every 7 days, re-aging the debt. This is a medical collection I have no knowledge or proof of and Alliance is reporting varying amounts/multiple accounts on my credit. Successfully disputed and got removed 3/4 of them on XXXX, 4/4 on XXXX and none of the 4 on XXXX. Demand this company delete from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: IL

Complaint narrative:
This letter is in response to your phone call about the letter dated XX/XX/XXXX, concerning the above-referenced account number. This is an " unauthorized account '' and I also have checked with my state attorney general and confirmed that the statute of limitations on this type of debt has expired after five years. This account is dated for XX/XX/XXXX on my consumer report. Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired. 
Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Please review the FTC Theft report. Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act. 

NOTE : The Appellate Court of Illinois, First District, recently held that a credit card agreement was an unwritten contract subject to Illinois five-year statute of limitations, rather than its 10-year statute of limitations. XXXX XXXX, XXXX. XXXX XXXX, XXXX. XXXX, XXXX WL XXXX, at XXXX XXXX XXXX XXXX. XXXX XX/XX/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 2021-02-10 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: AL

Complaint narrative:
The following items are reporting incorrect late status on my credit file : 1. XXXX - reporting incorrect lates from XX/XX/XXXX - XX/XX/XXXX 2. XXXX XXXX XXXX - reporting incorrect late 120 & 180 day status 3. XXXX - reporting incorrect late 120 day status 4. XXXX XXXX XXXX XXXX reporting incorrect 120 days late on XX/XX/XXXX 5. XXXX XXXX XXXX XXXX reporting incorrect late 120 & 180 day status ( maybe a duplicate account ) 6. Incorrect Address Information : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The below items never belong to me and is reporting on my credit file : 1. XXXX XXXX - This is not my account 2. XXXX XXXX XXXX - This is not my account 3. XXXX  XXXX XXXX - This is not my account or a duplicate of another 4. XXXX  XXXX XXXX - This is not my account 5. XXXX XXXX XXXX - This is not my account 6. XXXX - XXXX XXXX - This is not my account 7. XXXX XXXX XXXX - XXXX XXXX XXXX This is not my account 8. UNKNOWN ACCT ( Bal : {$100.00} ) - This is not my account

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 2021-02-10 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: NC

Complaint narrative:
Unfortunately, the purpose of this letter is to inform you that the companies listed failed to respond in the appropriate time frame to my dispute letter from XX/XX/2020. I sent my disputes by certified mail with the XXXX. XXXX XXXX on XX/XX/2020. Federal law requires you to respond within thirty ( 30 ) days ; at this point it has been ( 102 days ) and they have failed to respond. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. 

I would like to inform you that I have maintained an accurate chronological record of my communications with them. If they continue to fail to respond to my requests, I will implement litigation due to the hardships these invalidated items on my reports have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: GA

Complaint narrative:
These accounts are inaccurately reporting that I was late on my credit file : 1. XXXX XXXX ( Opened : XXXX XXXX ) - is incorrectly reporting that I was 60 days late XX/XX/XXXX ; please send me proof that this information is accurate. 

2. XXXX XXXX ( Opened : XX/XX/XXXX ) - is incorrectly reporting that I was 60 days late XX/XX/XXXX ; please send me proof that this information is accurate. 

3. XXXXXXXX XXXX - is incorrectly reporting that I was 30 days late from XX/XX/XXXX - XX/XX/XXXX and XXXX & XX/XX/XXXX ; please send me proof that this information is accurate. 

4. XXXX XXXX XXXX XXXX is incorrectly reporting that I was 30 days late XXXX XXXX ; please send me proof that this information is accurate. 

5. XXXX XXXX - is incorrectly reporting that I was 120 & 180 days late from XX/XX/XXXX - XX/XX/XXXX ; please send me proof that this information is accurate. 

6. Incorrect Personal Information : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX There is one account that is reporting on my credit file that does not belong to me : 1. XXXX XXXX XXXX - XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This account is in error and the credit bureaus are just doing the same old thing over and over again, and it is just tiring. I disputed the information and it came back verified even though the information was incorrect. As showed in the picture below the date opened for for all three bureaus are wrong, the account balance is wrong, and the date last active is just wrong. I wasn't even in XXXX all of XXXX, I have been living in XXXX since the end of XXXX. I'm in talks with a new potential employer and due to their requirements I can't have any collections on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This account is in error and the credit bureaus are just doing the same old thing over and over again, and it is just tiring. I disputed the information and it came back verified even though the information was incorrect. As showed in the picture below the date opened for for all three bureaus are wrong, the account balance is wrong, and the date last active is just wrong. I wasn't even in XXXX all of XXXX, I have been living in XXXX since the end of XXXX. I'm in talks with a new potential employer and due to their requirements I can't have any collections on my credit report.

Company response to consumer: Closed with explanation