vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-26 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: NV

Complaint narrative:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX 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 2022-07-26 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: NY

Complaint narrative:
I sent a letter on XX/XX/2022 to remove XXXX XXXX XXXX Balance : {$7200.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX  XXXX Balance : {$0.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again.,

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 2022-07-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Account XXXX XXXX TX XXXX XXXX has violated my rights. 

15 U.S.C.1681 Section 602a states that I have a right to privacy. 

15 U.S.C.1681 Section 604a Section 2 states a consumer reporting agency can not furnish any account information without my written instructions.

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 2022-07-26 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: Convergent Resources, Inc.
State: DE

Complaint narrative:
On XX/XX/2022 I submitted a dispute against Convergent Outsourcing Inc. On XX/XX/202XXXX Convergent Outsourcing Inc. stated that the account information disputed meets the requirements of the FCRA XXXX Convergent Outsourcing Inc, illegally reported my information to unaffiliated third parties without giving me any disclosures. Pursuant 15 USC Sec 6802 Convergent Outsourcing Inc is required by federal law to give me three disclosures, I have not received documents containing the required disclosures pursuant 15 U.S.C Sec. 6802 ( b ). Convergent Outsourcing Inc., is in violation of many other federal consumer laws. I did not give Convergent Outsourcing Inc permissible purpose under 15 U.S.C Sec. 1681b ( 2 ) to furnish this information on my credit report. Without my written consent Convergent Outsourcing Inc. is committing aggravated identity theft pursuant 15 U.S.C Sec. 1681a ( q ) ( 3 ). By furnishing this debt to my consumer report to coerce payment is a violation of 15 U.S.C Sec. 1692d ( 4 ). As a federally protected consumer, I know that my consumer report shall not include a report containing information solely as to transactions or experiences between the consumer and the person making the report pursuant to 15 U.S.C Sec. 1681a ( 2 ) ( i ). If the consumer report does not include transactions or experience, this account should not be on my consumer report. Having this negative account on my report does not make my consumer report equitable to me which is also a violation pursuant to 15 U.S.C Sec. 1681b. If Convergent Outsourcing Inc. continues to report account to my consumer report, they will be held criminally liable for aggravated identity theft pursuant to 18 U.S.C Sec 1028a, extortion and theft by deception. This is my final attempt to have this matter rectified before pursuing legal matters. If Convergent Outsourcing Inc. would like to continue committing fraud and unlawful criminal activities, this matter can be further discussed in federal court where I have no intentions on pursuing any monetary amount.

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 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FILE A DISPUTE XXXX XXXX XXXX XXXX  XXXX The account is not in deferrement status. The account is closed/paid in full. 

Please correct comments. Please remove negative deferred comments. 

thank you,

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 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FILE A DISPUTE XXXX XXXX XXXX XXXX XXXX The account is not in deferrement status. The account is closed/paid in full. 

Please correct comments. Please remove negative deferred comments. 

thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FILE A DISPUTE XXXX  XXXX  XXXX  XXXX XXXX The account is not in deferrement status. The account is closed/paid in full. 

Please correct comments. Please remove negative deferred comments. 

thank you,

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 2022-07-26 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:
The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my personal information such as my Driver 's license and SSN. I have been disputing the information on my Credit Report that are completely unknown to me. I have been also doing some research and discovered that I may be a victim of identity theft and that the items I am disputing are the results such crime. I have also been submitting complaints through the CFPB in hopes that the Credit Bureaus would pay attention to my disputes and remove the items I am disputing. This complaint is already my 6th complaint and the letter I sent was already my 4th written appeal. Under the Fair Credit Reporting Act Section 605b, I am requesting that the Credit Bureaus remove the disputed items completely from my Credit File. I have read enough and understand my rights, which is clearly being violated by the Credit Bureaus. I need the following items removed as soon as possible : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ACCT XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$240.00} ACCT RES CRP Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed XXXX {$820.00} XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$760.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2022-07-26 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:
The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my personal information such as my Driver 's license and SSN. I have been disputing the information on my Credit Report that are completely unknown to me. I have been also doing some research and discovered that I may be a victim of identity theft and that the items I am disputing are the results such crime. I have also been submitting complaints through the CFPB in hopes that the Credit Bureaus would pay attention to my disputes and remove the items I am disputing. This complaint is already my 6th complaint and the letter I sent was already my 4th written appeal. Under the Fair Credit Reporting Act Section 605b, I am requesting that the Credit Bureaus remove the disputed items completely from my Credit File. I have read enough and understand my rights, which is clearly being violated by the Credit Bureaus. I need the following items removed as soon as possible : XXXX XXXX XXXX, XXXX, C XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$240.00} XXXX  XXXX XXXX  Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX A XXXX Balance Owed XXXX {$820.00} XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$760.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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:
Despite all my efforts to have the accounts corrected and or updated, for I believe they are reporting erroneous information on my Credit File, the Credit Bureaus opted to ignore my written requests and not comply with the FCRA regulations. Upon reviewing my updated Credit Report, it is clear tha the Credit Burueas have done their best at nothin! I have read that the Credit Bureaus are required to verify the authenticity and valididy of the information that each account reports. The information reported are outdates, erroneous, and misleading. I am now submitting this complaint to protect my rights from the indefference of the Credit Bureaus. I need the following accounts corrected as soon as possible : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}

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 2022-07-26 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:
Despite all my efforts to have the accounts corrected and or updated, for I believe they are reporting erroneous information on my Credit File, the Credit Bureaus opted to ignore my written requests and not comply with the FCRA regulations. Upon reviewing my updated Credit Report, it is clear tha the Credit Burueas have done their best at nothin! I have read that the Credit Bureaus are required to verify the authenticity and valididy of the information that each account reports. The information reported are outdates, erroneous, and misleading. I am now submitting this complaint to protect my rights from the indefference of the Credit Bureaus. I need the following accounts corrected as soon as possible : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: CT

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no answer was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified account without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$0.00}

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 2022-07-26 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: CT

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items to be disputed : XXXX XXXX XXXX XXXX  XXXX, CT  XXXX XXXX XXXX XXXX XXXX  XXXX, CT  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX DP OF EDUC XXXX Balance : {$6300.00} DP OF EDUC XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$490.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$890.00}

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 2022-07-26 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: CT

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items to be disputed : XXXX XXXX XXXX XXXX  XXXX, CT XXXX XXXX XXXX XXXX XXXX  XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX DP OF EDUC XXXX Balance : {$6300.00} DP OF EDUC XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$490.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Account XXXX XXXX TX XXXX XXXX has violated my rights. 

15 U.S.C.1681 Section 602a states that I have a right to privacy.

15 U.S.C.1681 Section 604a Section 2 states a consumer reporting agency can not furnish any account information without my written instructions.

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 2022-07-26 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: CT

Complaint narrative:
I HAVE DISPUTED WITH EQUIFAX AND XXXX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES, EQUIFAX AND XXXX STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: LA

Complaint narrative:
I submitted a complaint last XX/XX/2022 to remove these accounts, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these accounts again. XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX Balance : {$470.00}

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 2022-07-26 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: LA

Complaint narrative:
I submitted a complaint last XX/XX/2022 to remove these accounts, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these accounts again. XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX Balance : {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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 NOTICE XXXX INCORRECT THING ON MY CREDIT REPORT... 
I NOTICED THAT I HAVE A XXXX STUDENT LOANS ON MY ACCOUNT... I NEVER ATTENDED COLLEGE, I DONT KNOW WHO USED MY INFORMATION TO GET THESE LOANS... 

I ALSO NOTICE A COLLETION ON MY ACCOUNT FROM XXXX, I NEVER USED XXXX, HOW DID THIS GET ON MY CREDIT REPORT ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation