vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 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: TX

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. 
XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXXXXXX XXXX Balance : -, XXXX XXXX  XXXX Balance : -, XXXX XXXX  Account XXXX Balance : {$4900.00}, XXXX XXXX XXXX Balance : {$5500.00}, Original creditor : XXXX Balance : {$390.00}, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXInquired on XX/XX/XXXX, XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/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 2023-05-01 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:
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. 
XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX  XXXX XXXX Balance : -, XXXX XXXX  XXXX Balance : -, XXXX XXXX  Account XXXX Balance : {$4900.00}, XXXX XXXX XXXX Balance : {$5500.00}, Original creditor : XXXX Balance : {$390.00}, XXXX XXXX XXXX  XXXX Inquiredon XX/XX/XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXInquired on XX/XX/XXXX, XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. Iresearched how to remove the fraudulent items in my report and found that I need to visitFEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section605b Credit Reporting Agencies are required to remove/block any items listed on an idtheft report. Please find the ATTACHED documents to assist in blocking the erroneousinformation which is being posted to my report. Here is the list of items that do not belongto me or were opened without my permissionXXXX 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 2023-05-01 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: NH

Complaint narrative:
On XXXX XX/XX/2023 I received a credit monitoring notification that a collection agency ( XXXX XXXX XXXX ) had reported an account attributable to me to TransUnion. This is despite me maintaining active fraud alerts on all my credit reports. 

I immediately informed TransUnion that I had no knowledge of this account and have never done business with XXXX XXXX XXXX or the claimed creditor ( XXXX XXXX ). I have absolutely NO DEBT and I do not owe either of these entities {$10000.00}. 

Furthermore, I never received any written, oral or electronic correspondence from this collection agency, who has violated the law by reporting this false information to a consumer credit reporting agency ( U.S.C. 1006.30 ( a ) ( 1 ), debt 'parking '. This collection agency has yet to make contact with me about this purported debt. 

I submitted this dispute to TransUnion ( by certified mail ), who soon after claimed that its investigation 'verified ' that the data was accurate, and reflective of my 'educational ' debt. Furthermore, it even associated 'updated ' the incorrect information to strengthen its association with my personal credit file. 

My student loans have been paid for years, and this has been reported by all major credit bureaus ( including TransUnion ). 

I have since re-submitted the dispute, with extensive additional documentation ( attached to this complaint ). 

I am a first-time homebuyer preparing to make the biggest purchase of my life. Suddenly having over {$10000.00} in fake debt parked on my credit report significantly disrupts the financial goals I have worked so hard to achieve.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my file. XXXX XXXXXXXX XXXX XXXX  XXXX Date Opened : XX/XX/2014 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 explanation
Consumer complaint received 2023-05-01 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed 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 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 2023-05-01 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made a purchase with XXXX  using Synchrony credit approx XXXX. Upon the first payment, my husband attempted to make the first payment but it was rejected/refund back to his account after a few days being processed. We assumed that it was being rejected due to the account being in my name but the payment info being in his name. I then made the first payment through my account using the synchrony website. My payment was also taken but then refunded back to my accounts a few days later. I went back in and attempted to make another a payment. Same thing again entering a second time through synchrony website. To avoid a late fee on my first payment, I contacted Synchrony approximately XX/XX/XXXX and spoke with a representative letting them know I was trying to make payments but are payments kept being refunded back within a few days of posting. I then made my first initial payment with that representative over the phone. Going forward, knowing that my bank nor my husband 's bank wasn't working well with the synchrony website, I have been using my XXXX online banking to send payments and have been outstanding ever since. As of today, XX/XX/XXXX, received a letter on XX/XX/XXXX stating that my account is being closed due to a dishonor of payments. I've been outstanding on this account and very commutative when I did face a problem. I've been told by an account manager, XXXX, there is nothing synchrony can do to reopen once the account is closed. They said it needs to remain closed and they have to run my credit to reopen it. I feel that because I was on a 12 month plan with no interest, they closed and want me to pay them interest. I have not been dishonest and my account has been outstanding. They have documentations on record that I've been in communication with them at the very beginning of this problem. I have no other debts other than my day-to-day living expenses. I've been way ahead of schedule to pay synchrony. Paying more than what the minimum requirement. I understand closing an account for others but I'm not one of them that should have been closed. There is a glitch using synchrony XXXX XXXX payments on their site and when I found out that that glitch was there, I continue to make payments through my online XXXX  XXXX  versus their website to make sure I stay at an outstanding my account. 

I greatly appreciate your time and review of this matter. 


XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: OH

Complaint narrative:
I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-05-01 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 CERTIFIED CREDIT XX/XX/2022 CERTIFIED CREDIT XX/XX/2022 CERTIFIED CREDIT XX/XX/2022

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 2023-05-01 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: DE

Complaint narrative:
Transunion continues to report accounts that I specifically informed them I do not consent to the reporting of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demanded any documentary proof that they have on file from these financial institutions of verifying my consent to furnish, which they refused to provide me thus violating my right to privacy. I addition to these two violations, Transunion continues to sell my consumer file to new financial institutions that they are affiliated with and being paid by. After placing my complaint a week ago the violated my consumer rights once again by selling my report to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which resulted in a hard inquiry ( AGGREVATED IDENTITY THEFT ) while I am in the process of applying for A mortgage. This lawless behavior can not go unchecked and we now have no other administrative recourse, thus litigation must proceed. I do not consent to XXXX XXXX XXXX XXXX XXXXXXXX, or XXXX XXXX XXXX XXXX ( AGGREVATED IDENTITY THEFT ) to be reported or advertised on my consumer file, and I did not consent to informative research to obtain a copy of my consumer file. I do not consent to any one obtaining my personal, private, protected information with out my express written consent. Transunion is blatantly committing aggravated Identity theft. I demand a copy of the contract between TransUnion and XXXX XXXX credit card service and XXXX XXXX XXXX XXXX to gauge their interest or affiliation concerning their profit for suppressing my credit score.

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 2023-05-01 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: NC

Complaint narrative:
I want to notify the credit bureaus YET AGAIN that I was a victim of identity theft and that I want these fraudulent items that were added to my credit report as a result of thealleged identity theft removed. Credit bureaus are obligated to REMOVE any items identified in identity theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Here is the list of things I wanted to get rid of, once more. 
XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: MO

Complaint narrative:
I am submitting another CFPB Complaint to express my disagreement with the Credit Bureaus findings and to request complete accuracy. I feel that not enough effort was made to contact the creditors/agencies responsible for reporting the information in question on my report. Therefore, I am requesting more information about these specific items, particularly the Negative Accounts : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$100.00}. In accordance with the Fair Credit Reporting Act 15 U.S.C. Section 1681i, I kindly request that you reinvestigate and either update or remove these disputed items. Please provide me with the names and addresses of the individuals who were contacted during the investigation. You have a period of 15 days from the receipt of this letter to complete these actions, unless you inform me otherwise. Please note that failure to verify the items within this time frame constitutes non-verification, and the items must be promptly updated or deleted according to Section 1681i ( a ).

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 2023-05-01 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: DC

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX 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 explanation
Consumer complaint received 2023-05-01 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 submitted a letter to the Credit Bureaus to delete this erroneous account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. this was already included in my prior complaint and I'm including it again. 

XXXX XXXXXXXX

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 2023-05-01 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: MO

Complaint narrative:
I am sbmitting this CFPB Comlplaint to dispute the presence of certain items on my credit report, which I believe to be fraudulent. I have reviewed my updated credit file and found that the items in question continue to be reported, despite my previous dispute. I have previously disputed these items, but they continue to be reported on my credit file. In addition, I have not received any supporting documents from the credit bureaus indicating that these items belong to me. Therefore, I am requesting that these items be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b. I need the following items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX Owed : {$130.00} XXXX XXXX XXXX Balance Owed : {$0.00} MO CHLD SPRT XXXX Balance Owed : {$3000.00} XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. As we are all are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history. I have taken all necessary steps to dispute these items with the relevant parties, including contacting the creditors and filing police reports. However, despite my efforts, these items continue to be reported on my credit file. I request that you investigate this matter further and remove these fraudulent items from my credit file as soon as possible.

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