vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-06 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: MD

Complaint narrative:
On XX/XX/XXXX I sent letters regarding inaccurate and unknown items on my credit report. To this day, over 30 days later, I have not yet received a response. In accordance with15 USC Section 611 ( a ), failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Additionally, in accordance with 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ), the credit bureaus are to have all investigations completed before the expiration period under section 611 ( a ) 1. As it has been over 30 days, these items should be deleted immediately. 

Tracking Numbers XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX CA, XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. ( XXXX ) XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry.

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 2022-06-06 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: MD

Complaint narrative:
On XX/XX/XXXX I sent letters regarding inaccurate and unknown items on my credit report. To this day, over 30 days later, I have not yet received a response. In accordance with15 USC Section 611 ( a ), failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Additionally, in accordance with 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ), the credit bureaus are to have all investigations completed before the expiration period under section 611 ( a ) 1. As it has been over 30 days, these items should be deleted immediately. 

Tracking Numbers XXXX, XXXX, XXXX JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. ( XXXX ) XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: MD

Complaint narrative:
On XX/XX/XXXX I sent letters regarding inaccurate and unknown items on my credit report. To this day, over 30 days later, I have not yet received a response. In accordance with15 USC Section 611 ( a ), failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Additionally, in accordance with 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ), the credit bureaus are to have all investigations completed before the expiration period under section 611 ( a ) 1. As it has been over 30 days, these items should be deleted immediately. Also, in accordance with 15 USC 1681 Section 602A States I have the right to privacy and 15 USC 1681 Section 604 A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions. 

Tracking Numbers XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry.

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 2022-06-06 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: MD

Complaint narrative:
On XX/XX/XXXX I sent letters regarding inaccurate and unknown items on my credit report. To this day, over 30 days later, I have not yet received a response. In accordance with15 USC Section 611 ( a ), failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Additionally, in accordance with 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ), the credit bureaus are to have all investigations completed before the expiration period under section 611 ( a ) 1. As it has been over 30 days, these items should be deleted immediately. Also, in accordance with 15 USC 1681 Section 602A States I have the right to privacy and 15 USC 1681 Section 604 A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions. 

Tracking Numbers XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: GA

Complaint narrative:
My query is with Equifax mishandling of my credit file..I have two updated reports which displays account closed with XXXX balance from creditor XXXX XXXX XXXX  XXXX XX/XX/2022 confirmation # XXXX XX/XX/XXXX, XXXX # XXXX Creditor responded to dispute with attached documents sent from equifax..As of XX/XX/2022 account now has balance and late notation..The Fair Credit Reporting Act requires credit reporting agencies to report 100 % true and accurate information on a consumer file ... The information listed is misleading and false..I have included a copy of credit report displaying the account as closed XXXX balance never late from the creditor..This information needs to corrected on my file.with all.haste... I am trying to.refinance my house..The information currently showing on.my file is not true and needs to be correct or deleted..Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: TX

Complaint narrative:
There are XXXX accounts that are reporting incorrectly on my credit report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX. 

I have provided proof to each credit bureau that the information is reporting differently on all 3 credit bureaus. I have also reached out to XXXX XXXX directly and advised that each account is reporting differently to XXXX, XXXX, and TransUnion. 

Ironically, each bureau has been able to verify their status is correct, when all 3 are reporting differences.

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 2022-06-06 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:
There are XXXX accounts that are reporting incorrectly on my credit report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have provided proof to each credit bureau that the information is reporting differently on all 3 credit bureaus. I have also reached out to XXXX XXXX  directly and advised that each account is reporting differently to Equifax, XXXX, and XXXX. 

Ironically, each bureau has been able to verify their status is correct, when all 3 are reporting differences.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I pulled my once a year free credit report and I see a inquiry CBNA XX/XX/2022 that I am not familiar with. This inquiry is fraudulent and unauthorized.

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 2022-06-06 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: TX

Complaint narrative:
I have tried on several occasions to have Experian explain to me why there is such a great disparity in the credit score they show for me and the one 's the other two agencies are showing with no success or answers. 
The last straw was this month when my score actually went down after a hard inquiry fell off!!! My score with Experian was XXXX, but today it is XXXX. XXXX has me at XXXX and XXXX is showing XXXX ( it will update on XX/XX/XXXX ). 

Why is there such a vast difference in my credit score with Experian? Is this Legal? My credit usage is very low, my payments, on all accounts, have never been late. I have attached a copy of my credit scores as of XX/XX/XXXX. As a consumer who works very hard to maintain my deserved high score this is very stressful. There is absolutely no reason my score should be in the XXXX 's. And to add insult to injury ... to have them drop my score instead of increasing it after an inquiry falls off is totally ridiculous! I have been trying to purchase a new automobile but have been waiting on Experian to rate my credit fairly. Please assist.

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 2022-06-06 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
There are XXXX accounts that are reporting incorrectly on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. 

I have provided proof to each credit bureau that the information is reporting differently on all 3 credit bureaus. I have also reached out to Comenity Bank directly and advised that each account is reporting differently to XXXX, XXXX, and XXXX. 

Ironically, each bureau has been able to verify their status is correct, when all 3 are reporting differences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Hi- I am trying to get assistance any way possible. It's life or death for me and my kids. I am only asking for late payments that occurred in between deferments be removed... only because it's listing XXXX accounts separately as 90 days late. My loans are currently closed and consolidated but I am not able to get some extra assistance due to the late in between deferrals. 

I have spoken to customer service, sent letters and I am very desperate for assistance. I was told there are laws in place for it is solely at the lenders discretion. I have XXXX days from today but I have been trying since the pandemic as I was seriously affected by XXXX. Please email me or call please XXXX of XXXX. I am sending my message to everyone in your company- your credit reporting department has not been able to assist in any way. Please Please. 

I NEED HELP.. LIFE OF DEATH FOR MY KIDS AND I STARTED REACHING OUT SINCE LAST YEAR AND NOW I HAVE XXXX DAYS - I ONLY NEED THE LATE PAYMENTS REMOVE FOR XXXX INDIVIDUAL ACCOUNTS IN BETWEEN DEFERMENT.. PLEASE PLEASE Please Please I just need the 90 days late removed for XXXX individual loans. This account is now closed and consolidated - at this time the I was deferred before and after. During this late period, my address was not correct in Navient 's system XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I was referred to you by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I sent letters regarding inaccurate and unknown items on my credit report. To this day, over 30 days later, I have not yet received a response. In accordance with15 USC Section 611 ( a ), failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Additionally, in accordance with 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ), the credit bureaus are to have all investigations completed before the expiration period under section 611 ( a ) 1. As it has been over 30 days, these items should be deleted immediately. Also, in accordance with 15 USC 1681 Section 602A States I have the right to privacy and 15 USC 1681 Section 604 A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions. 

Tracking Numbers XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Inquired on XX/XX/XXXX. I do not recognize the company and did not initiate an inquiry.

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 2022-06-06 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: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone got a loan under my name without my consent. The company is Check n go and on my credit report it is listed as XXXX. Whoever opened this loan had been making payments on it with a bank account that is not mine. I already contacted the company and all the credit bureaus so they can do their investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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 am a concerned consumer, this was not made in error I am the consumer concerned and is being violated by TRANSUNION, XXXX, AND XXXX I have sent dispute letters challenging accounts that were not notated in a timely manner, I made a previous complaint and it was not addresses correctly. I am not disputing to verify if the accounts belong to me, I am simply complaining that the accounts were not investigated in a timely manner and notated that they were in fact in dispute once I reviewed my credit report. The investigation was prolonged and I did not receive results in a timely manner and the account remarks did not show these accounts were disputed by me the Consumer.

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 2022-06-06 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: CA

Complaint narrative:
I am a concerned consumer, this was not made in error I am the consumer concerned and is being violated by XXXX, XXXX, AND EXPERIAN I have sent dispute letters challenging accounts that were not notated in a timely manner, I made a previous complaint and it was not addresses correctly. I am not disputing to verify if the accounts belong to me, I am simply complaining that the accounts were not investigated in a timely manner and notated that they were in fact in dispute once I reviewed my credit report. The investigation was prolonged and I did not receive results in a timely manner and the account remarks did not show these accounts were disputed by me the Consumer.

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