vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 paid my account balance with XXXX XXXX in full to {$0.00} on XX/XX/XXXX. However, XXXX XXXX has not reported my correct account status as paid in full with a {$0.00} balance to Transunion and XXXX. I have made several contact phone attempts with XXXX and requested this is resolved. I have also submitted multiple disputes with both Transunion and XXXX. I even provided proof of payment in full to {$0.00} to both Transunion and XXXX, but both Transunion and XXXX are not honoring my proof of payment for some illegally reason and responding to my disputes as, " account verified '', despite the paid in full promissory note and settled in full email I received from XXXXXXXX XXXX regarding payment of {$3000.00} and made on XX/XX/XXXX. Specifically the 1st page of the promissory note at the very bottom in the middle of the page it states the account has been " paid in full XX/XX/XXXX '' with a representative from XXXX name ( XXXX XXXX XXXX ) directly under the line of the " paid in full '' stamp. 

Improper investigation done by Transunion and XXXX. 
1. ) Account Name_ XXXX XXXXXXXX Account Number : XXXX Transunion and XXXX : INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
XXXX XXXX # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX FL XXXX, ( XXXX ) XXXX ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : UNSECURED Balance : {$3000.00} ; Wrong, should be {$0.00} Date Updated : XX/XX/XXXX ; Wrong, should be XX/XX/XXXX Payment Received : XX/XX/XXXX ( {$95.00} ) ; Wrong, should be XX/XX/XXXX Last Payment Made : XX/XX/XXXX ; Wrong, should be XX/XX/XXXX High Balance : {$4000.00} Pay Status : Current ; Paid or Paying as Agreed ; Wrong, should be paid as agreed and closed as of XX/XX/XXXX Terms : {$75.00} per month, paid ; Wrong, should be {$95.00} per month Bi-weekly for 24 months XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong ; Should be rating for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached to this complaint a copy of my Transunion dispute results ( # XXXX dated XX/XX/XXXX, the paid in full promissory note from XXXX XXXX XX/XX/XXXX, and the thank you email from XXXX that I settled 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 non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I paid my account balance with XXXX XXXX in full to {$0.00} on XX/XX/XXXX. However, XXXX XXXX has not reported my correct account status as paid in full with a {$0.00} balance to XXXX and Equifax. I have made several contact phone attempts with XXXX and requested this is resolved. I have also submitted multiple disputes with both XXXX and Equifax. I even provided proof of payment in full to {$0.00} to both XXXX and Equifax, but both XXXX and Equifax are not honoring my proof of payment for some illegally reason and responding to my disputes as, " account verified '', despite the paid in full promissory note and settled in full email I received from XXXXXXXX XXXX  regarding payment of {$3000.00} and made on XX/XX/XXXX. Specifically the 1st page of the promissory note at the very bottom in the middle of the page it states the account has been " paid in full XX/XX/XXXX '' with a representative from XXXX name ( XXXX XXXX XXXX ) directly under the line of the " paid in full '' stamp. 

Improper investigation done by XXXX and Equifax. 
1. ) Account Name_ XXXX XXXX Account Number : XXXX XXXX and Equifax : INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
XXXX XXXX # XXXX ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX FL XXXX, ( XXXX ) XXXX ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : UNSECURED Balance : {$3000.00} ; Wrong, should be {$0.00} Date Updated : XX/XX/XXXX ; Wrong, should be XX/XX/XXXX Payment Received : XX/XX/XXXX ( {$95.00} ) ; Wrong, should be XX/XX/XXXX Last Payment Made : XX/XX/XXXX ; Wrong, should be XX/XX/XXXX High Balance : {$4000.00} Pay Status : Current ; Paid or Paying as Agreed ; Wrong, should be paid as agreed and closed as of XX/XX/XXXX Terms : {$75.00} per month, paid ; Wrong, should be {$95.00} per month Bi-weekly for 24 months XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Rating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong ; Should be rating for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached to this complaint a copy of my XXXX dispute results ( # XXXX dated XX/XX/XXXX, the paid in full promissory note from XXXX XXXX XX/XX/XXXX, and the thank you email from XXXX that I settled the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax stated this bankruptcy was verified it provided no further details on how it was verified. The clerk of court stated they did not report any sick information and the data furnisher known as XXXX even deleted the information. This is my final attempt at getting Equifax to follow reasonable procedure outline in the laws established to govern the credit bureaus. Equifax is also securitizing my information for profit without my consent they are located on the New York XXXX XXXX XXXX XXXX file number XXXX this is putting my personal data at risk of data breachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
The company XXXX XXXX was sent a payment and it only applied as interest when the account is currently paid as expected Meaning that the total amount of the loan owed has not changed at all after a payment was made

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax stated this bankruptcy was verified it provided no further details on how it was verified. The clerk of court stated they did not report any sick information and the data furnisher known as XXXX even deleted the information. This is my final attempt at getting Equifax to follow reasonable procedure outline in the laws established to govern the credit bureaus. Equifax is also securitizing my information for profit without my consent they are located on the New York stock exchange under commission file number XXXX this is putting my personal data at risk of data breachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my profound frustration and disappointment with the ongoing issue regarding the removal of fraudulent items from my record, despite my XXXX attempt to rectify the situation. Despite providing exhaustive evidence and diligently following the prescribed procedures, it is deeply disheartening that the problem persists without any resolution. 

I implore you to prioritize this matter with the utmost urgency and take immediate, decisive action to remove the fraudulent items from my record. Furthermore, I expect to be kept fully informed of the steps being taken to address this issue and seek appropriate compensation for the significant damages and losses I have incurred due to this egregious error. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : {XXXX XXXX XXXXXXXX XXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XX/XX/2023.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my profound frustration and disappointment with the ongoing issue regarding the removal of fraudulent items from my record, despite my XXXX attempt to rectify the situation. Despite providing exhaustive evidence and diligently following the prescribed procedures, it is deeply disheartening that the problem persists without any resolution. 

I implore you to prioritize this matter with the utmost urgency and take immediate, decisive action to remove the fraudulent items from my record. Furthermore, I expect to be kept fully informed of the steps being taken to address this issue and seek appropriate compensation for the significant damages and losses I have incurred due to this egregious error. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite my many attempts to follow up on the matter. Despite providing ample evidence and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

The presence of these fraudulent items not only tarnishes my reputation but also poses a significant threat to my financial stability and credibility. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to address the removal of the fraudulent items from my record. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX Balance : 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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my XXXX payments for those accounts.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-19 00:00:00
Product: Credit reporting 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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