vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 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: TN

Complaint narrative:
Hello this is a formal complaint to request all credit reporting agencies including XXXX, Transunion, and XXXX to stop reporting invalid information in my name. Listed account information XXXX XXXX  # XXXX, LA XXXX XXXX # XXXX, LA XXXX XXXX # XXXX XXXX LA # XXXX are in no way mine. There is a public record for child support on my report and I DO NOT EVEN HAVE KIDS. That is false and misleading and has stopped me from getting a promotion amongst other things. The listed account XXXX XXXX XXXX # XXXX that I do recognize is not only never late but in very good standing. The credit reporting agencies have taken fraud to a whole new level all while violated the federal law.

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 2022-02-04 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: NY

Complaint narrative:
. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXXXXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

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 2022-02-04 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: MA

Complaint narrative:
Regardless of the multiple written requests, the public record listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( XXXX, XXXX, TRANSUNION ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below. 

( Bankruptcy chapter XXXX Filed Date XX/XX/2012 XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04 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: MA

Complaint narrative:
Regardless of the multiple written requests, the public record listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( XXXX, EQUIFAX, XXXX ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below. 

( Bankruptcy chapter XXXX-discharged Filed Date XX/XX/2012 XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX the CRA reported a late payment on an auto loan for XX/XX/XXXX that was incorrect. I disputed the information and sent my proof to the CRAs. The late payment was then removed XX/XX/XXXX. On XX/XX/XXXX a new late payment was added for XX/XX/XXXX. This inaccurate data has been reported to the Attorney General and XXXX. this inaccurate data is also in violation of a number of FCRA Laws, metro 2 data compliance and consent of disclosure. If the information was correct and true under XXXX the data would not constantly change.

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 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX the CRA reported a late payment on an auto loan for XX/XX/XXXX that was incorrect. I disputed the information and sent my proof to the CRAs. The late payment was then removed XX/XX/XXXX. On XX/XX/XXXX a new late payment was added for XX/XX/XXXX. This inaccurate data has been reported to the Attorney General and XXXX. this inaccurate data is also in violation of a number of FCRA Laws, XXXX XXXX data compliance and consent of disclosure. If the information was correct and true under XXXX the data would not constantly change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2022-02-04 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: CA

Complaint narrative:
The following XXXX, Experian, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the XXXX Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT :XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I received an offer from XXXX offering Apple Card with soft pull inquiry using data provided from credit bureau ( XXXX ). I agreed to the offer for soft pull inquiry and entered my personal information, including full social security number. Somewhere along the line a hard pull inquiry was submitted to XXXX without my consent. I was alerted the next day that there was a hard pull on my XXXX report. I immediately called Apple Card rep who stated the offer may have began as soft pull but once I was approved they ran a hard inquiry on my credit. This hard inquiry was obtained without my consent. I only agreed to soft pull as I'm not interested in obtaining any unnecessary personal credit cards currently. The rep said the card was already sent in the mail and there was nothing Goldman Sachs ( processor of Apple Card ) could do about it. I never activated the card because I didn't agree to a hard pull nor did I agree to open the account once I saw the unauthorized hard pull on my XXXX report. However, Apple is reporting that I opened an account on XXXX ( which I immediately called to cancel due to fraud on their end ). The Apple card still came in the mail and didn't show as closed in their system XXXX weeks later on XX/XX/22. Please investigate the matter as this practice is very deceptive and being advertised as soft pull, only to lead customers blindly into a hard pull against their knowledge. This partnership with XXXX and Goldman Sachs Apple card fraudulently obtains credit information with hard pull after advertising to consumer as soft pull. XXXX 's exact wording in emails received states : " Apple Card is a different kind of credit cardyou can see your credit limit and interest rate offer without impact to your credit score ''. I've attached proof of the advertisement that I received for regularly for months before deciding to accept.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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:
The following XXXX, XXXX, TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04 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:
The following Equifax, XXXX, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i have reached out to this company several times and they are still reporting inaccurate names and addresses on my report. they are also reporting incorrect payment status on my 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 2022-02-04 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: NY

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account XXXX : XXXX This Account is inaccurate and seeking litigation please delete it once

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-02-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing is resposible giving credit report late payments from XX/XX/XXXX on a new loan closed in XX/XX/XXXX FIRST PAYMENT DUE XX/XX/XXXX MADE XX/XX/XXXX NOT DUE UNTIL THE 16 OF EACH MONTH XXXX PAYMENT MADE XX/XX/XXXX PAYMENT MADE LOAN TRANSFERED TO SLS XX/XX/XXXX FROM LOAN CARE.Five seperate loan # had been supplied i have given copies with my complaint.Along with my call record JUST ONE OF MANY.Showing how upset i was that i could not get a normal statement. 
Now i just ran my credit to see that because of LOAN CARE AND SLS refusing to give a payment method I MADE DOUBLE PAYMENTS IN XX/XX/XXXX IT SHOWS THREE PAYMENTS SLS ONLY REFUNDED ONE PAYMENT IN XXXX LOAN CARE TOOK DOUBLE PAYMENTS FROM XX/XX/XXXX TO XX/XX/XXXX HOLDING THE PAYMENT NO LETTER SENT SAYING IT WAS INCORRECT SLS REFUSING TO ANSWER SENDING THE LETTER I GAVE A COPY THEY WERE REVIEWING... XXXX MO FOR THIS COMPANY NO ANSWERS REFUSES TO MAKE ANY DOCUMENTS AVAIABLE. LOOK AT WHAT I HAVE PROVIDED TAX STATEMENT WRONG FOR XXXX I HAVE SO MUCH MORE TO SUPPLY ... THIS IS DONE WITH MALACE AND FULL INTENT TO MISLEAD WITH HOPES OF PUTTING BORROWERS IN RISK OF FORECLOUSER AT FIRST I GAVE THEM THE BENIFIT OF THE DOUBT,,, NOW THREE YEARS LATER WITH NEW HARRASMENT EVERY MONTH FROM THIS COMPANY I CAN SAY THE REFUSAL TO SUPPLY INFORMATION ALONG WITH THE LETTERS TO DEMAND MONEY THAT IS NOT DUE, EVEN SENDING INCORRECT INFORMATION TO THE CREDIT BUREAU I HAVE PROVIDED MY PAYMENT HISTORY FROM MY BANK I HAVE NEVER BEEN LATE EVER. TO DAMAGE ME HAS BEEN ALMOST EVERY MONTH .EITHER SENDING LETTERS DEMANDING INSURANCE WHEN THE BINDER WAS SENT TO THEM IN ESCROW..PRETENDING THEY DID NOT HAVE IT .EVEN CALLING THIS PROPERTY A CONDO WHEN THE APPRAISAL SPELLS IT OUT .RESIDENTIAL FOUR PLEX FOUR SINGLE FAMILY HOMES ON A LOT IN A RESIDENTIAL NEIGHBORHOOD OF THE SAME .SMALL INCOME PROPERTY CONFORMING EACH HOUSE SEPERATE METERS PARKING YARDS STUCCO EXTERIOR RAISED FOUNDATIONS LAUNDRY ROOMS IN EACH HOUSE.GARAGES NOW THE SLS PEOPLE HAVE DAMAGED ME BEYOND WHAT I CAN EVEN SAY ... ..I NEVER IN MY LIFE TIME HAD A MORTAGE LATE OR HOME LOAN LATE ... ..IT HAS BEEN THERE SINCE I TOOK LOAN I JUST RAN MY CREDIT I SENT A COPY .THERE IS NO WAY TO DEAL WITH THIS COMPANY I HAVE PHONE CALL RECORDS ON HOLD FOR HOURS FAXES UP TO 45 PAGES AT A TIME LETTERS I CANT TELL YOU HOW MANY SPECIALIZED LOAN SERVICER IS DANGEROUS

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 2022-02-04 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: FL

Complaint narrative:
I HAVE BEEN DISPUTING SEVERAL ACCOUNTS WITH XXXX AND EQUIFAX FOR OVER 6 MONTHS YET I CONSTANTLY KEEP GETTING UPDATED " RESULTS '' WITH NO CHANGES OR PROOF OF AN ACTUAL INVESTIGATION. THESE ACCOUNTS THAT I HAVE REPORTED TO THEM ARE IN FCRA VIOLATION AND NEED TO BE DELETED FROM MY CREDIT REPORT. I HAVE SENT DISPUTE LETTERS WITH ATTACHED PROOF OF THE ERRORS YET THESE ACCOUNTS REMAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
These accounts XXXX # XXXX, XXXX # XXXX, WFDS # XXXX are not mine. I have made phone calls to the bureaus and listed companies to have them removed. I have been given the runaround and after some research I am here to get what is owed to me. No documents of any kind can show that I am responsible for listed accounts. No validation can be made unless validated by me can put the responsibility of listed accounts on me. There is obvious a mix up with another person claiming to be me and I will not clear up anything that I did not give authorization to have my name.

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