vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 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: GA

Complaint narrative:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

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 2023-03-02 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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: CA

Complaint narrative:
I sent a complaint last XX/XX/2023 to validate this reporting account : XXXX XXXXXXXX Balance Owed : {$0.00} I think you have not validated the aforementioned account that exists in my credit report. 
Consider this as a follow-up complaint prior to my previous endeavor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Per my XXXX credit report, on XX/XX/2023, a company requested a hard pull of my credit. I have never heard of the company in question, nor did I authorize the request. I disputed this twice with XXXX, once on XX/XX/2023 and once on XX/XX/2023, both of which times have been denied and the information is not being removed. It does not appear that any new accounts have been opened from this inquiry, and as such, I believe this is an erroneous hard credit inquiry by the company in question and not fraud. As a result of this, I have placed security/fraud notices on my credit file with all major bureaus ( XXXX, XXXX, XXXX ) XXXX as a precaution. 

The company in question that apparently made a hard inquiry is : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX I have attempted to contact the company directly, but so far have not been successful, so I am submitting this compaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 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: LA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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
Consumer complaint received 2023-03-02 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 sent a complaint last XX/XX/2023 to validate this reporting account : XXXX XXXXXXXX Balance Owed : {$0.00} I think you have not validated the aforementioned account that exists in my credit report. 
Consider this as a follow-up complaint prior to my previous endeavor.

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 2023-03-02 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 sent a complaint last XX/XX/2023 to validate this reporting account : XXXX XXXXXXXX Balance Owed : {$0.00} I think you have not validated the aforementioned account that exists in my credit report. 
Consider this as a follow-up complaint prior to my previous endeavor.

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 2023-03-02 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: FL

Complaint narrative:
I am interested in disputing all incorrect information on my credit report with Equifax. this is my 2nd attempt, please review and remove the items asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: LA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 2023-03-02 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: LA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: TN

Complaint narrative:
Per my Equifax credit report, on XX/XX/2023, a company requested a hard pull of my credit. I have never heard of the company in question, nor did I authorize the request. I disputed this twice with Equifax, once on XX/XX/2023 and once on XX/XX/2023, both of which times have been denied and the information is not being removed. It does not appear that any new accounts have been opened from this inquiry, and as such, I believe this is an erroneous hard credit inquiry by the company in question and not fraud. As a result of this, I have placed security/fraud notices on my credit file with all major bureaus ( Equifax, XXXX, XXXX ) XXXX as a precaution. 

The company in question that apparently made a hard inquiry is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, OH XXXX I have attempted to contact the company directly, but so far have not been successful, so I am submitting this compaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: FL

Complaint narrative:
I am interested in disputing all invalid data on my credit report. this is my 2nd attempt please review all data that is hindering my credit report with Experian.

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 2023-03-02 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: GA

Complaint narrative:
In accordance with the fair credit reporting act the listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT NEVER LIVED AT THIS ADDRESS I DID NOT OPEN THIS A ACCOUNT. THIS HAS VIOLATED 15 U.S.C 1681 SECTION 602A 15 U.S.C 1681 SECTION 604A SECTION 2 15 U.S.C 1681C ( A ) ( 5 ) 15 U.S.C 1681 5-2 ( A ) ( 1 )

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 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I received a letter dated XX/XX/2023 that my account ending in XXXX was closed due to inactivity. Barclays was supposed to send me a new credit card in the mail that never came, so I'm unclear how they expect me to use a credit card and be active if they haven't sent me a credit card in the mail to activate. I received the letter today XX/XX/2023 in the mail telling me my account is closed due to inactivity and I would like to dispute this closure and demand the company to reopen my account. I am requesting this because it is clear in their records that the credit card that they attempted to send me in the mail was never activated, therefore it can not be confirmed that the card was in fact received by me. If a card is not received it can not be activated for use, therefore I can not be liable and held accountable for inactivity. I am demanding that Barclays mail me a new credit card in the mail and allow me to activate it and use it after reopening my account. I am also demanding that Barclays allow me to get access to all my statements on this account from the date of account opening. It is my understanding that this account was opened less than 5 years ago, so Barclays should still have all the statements for this account in their archive to send over to me. I am requesting all statements dating back to the first statement to be provided to me for review. I am hopeful that Barclays will resolve these matters to my satisfaction.

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 2023-03-02 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: NJ

Complaint narrative:
After reviewing my credit report, I found that some of the data were unreliable. The three credit bureaus are required to verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is forbidden to treat these reporting items ' unconfirmed information as fact without supplying evidence within the legally required amount of time. I need the following incorrect information in my credit report looked at and updated immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-03-02 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: OH

Complaint narrative:
I recently went to apply for a mortgage and I noticed some inaccurate items on my credit reports. Not only were they inaccurate but they were also unauthorized. My data has been involved in various data breaches, XXXX to name one, and someone was successful at opening up accounts in my name but were unauthorized. I also tried settling this with the credit bureaus 30 days ago and I haven't heard anything back from them yet and I know they have to respond in 30 days. my reputation with the banking system because of the inaccurate items being furnished on my reports. I need this fixed immediately

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 2023-03-02 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: PA

Complaint narrative:
After reviewing my credit report in XXXX i came across this inquiry that was unrecognized. I reached out to the company itself with no success and when I took it to the credit bureau I did not get a response. 

I have no recollection of this company or why they would need to pull my credit as I have a very limited credit profile and am normally on top of things like this. 

XXXX XXXX : XXXX XXXX XXXX Date : XX/XX/XXXX Transunion first letter was sent and received at the end of XX/XX/XXXX and second letter was XX/XX/XXXX. 

They sent a second later validating and once I requested further information in XXXX I heard NOTHING back until after XXXX ( see attached ) and all sent was a document accusing me of using a credit repair company. 

XXXX XXXX XXXX sent XX/XX/XXXX- they asked for verifiable ID without investigation results, mind you I sent BOTH my ID and utility bill, a verifiable copy at that to them the first and second time. On XX/XX/XXXX I sent the second letter returning the information they were looking for and did not hear anything back until XX/XX/XXXX asking for ID again ( see attached ). 


At this point, my rights as a consumer to fair and accurate credit reporting is being violated IN THREE WAYS and this is absolutely ridiculous over ONE inquiry!!!!

1- 15 U.S. Code 1692g ( b ) - Validation of debts- WAS NOT DONE IN 30 DAYS 2- 15 u.s.c 1681I Paragraph 5 - ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 3-15 U.S. Code 1681b - Permissible purposes of consumer reports

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 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act the listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT NEVER LIVED AT THIS ADDRESS I DID NOT OPEN THIS A ACCOUNT. THIS HAS VIOLATED 15 U.S.C 1681 SECTION 602A 15 U.S.C 1681 SECTION 604A SECTION 2 15 U.S.C 1681C ( A ) ( 5 ) 15 U.S.C 1681 5-2 ( A ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. When I review my credit report I noticed that there are items that are misleading or erroneous. The items I'm disputing today have no affiliation with me or my transactions. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/XXXX  XXXX BANK XX/XX/2022 XXXX - XXXX SERVICES XX/XX/2022 XXXX - XXXX SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  BANK XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: PA

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are 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 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : DEPT OF EDUCATIONXXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$3800.00} ; DEPT OF EDUCATION/XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$3800.00} ; DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$1300.00} ; DEPT OF EDUCATION/XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$2300.00} ; DEPT OF EDUCATION/XXXX XXXX Date opened : XX/XX/XXXX Balance : {$6900.00} ; XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX XXXX XXXX {$110.00} ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXX on XX/XX/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 2023-03-02 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: NJ

Complaint narrative:
After reviewing my credit report, I found that some of the data were unreliable. The three credit bureaus are required to verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is forbidden to treat these reporting items ' unconfirmed information as fact without supplying evidence within the legally required amount of time. I need the following incorrect information in my credit report looked at and updated immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation