vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 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: TX

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: GA

Complaint narrative:
I am writing to formally dispute the continued inaccurate reporting of late open accounts on my credit report, despite multiple attempts to correct this issue. This ongoing error is causing significant harm to my creditworthiness and financial well-being. I respectfully request your immediate attention and resolution to this matter. 

I first identified this discrepancy on my credit report. Despite my consistent and timely payments for these accounts since their inception, they have been inaccurately reported as late, negatively affecting my credit score. 

My attempts to rectify this issue have been as follows : I submitted a written dispute to Credit Bureaus, outlining the incorrect reporting of late payments and providing all relevant documents as evidence of my timely payments, including bank statements and payment records. 

I followed up with [ Credit Bureau Name ] via phone to inquire about the status of the investigation and the correction of the late payment reporting. I was informed that an investigation was underway. 

As the late open accounts continued to be inaccurately reported, I sent a second dispute letter on [ Date of Second Dispute ], reiterating my concerns and emphasizing the urgency of resolving this issue. 

To date, I have not received any response or resolution regarding the correction of the late open accounts on my credit report. 

The ongoing presence of these inaccuracies is causing severe harm to my creditworthiness and financial stability. I kindly request that Credit Bureaus conducts a thorough investigation into this matter and promptly corrects the erroneous reporting of late payments on my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including : Copies of my dispute letters and correspondence with Credit Bureaus Bank statements and payment records demonstrating timely payments Any other supporting documentation I request that Credit Bureaus investigates this matter promptly and provides me with a written response within 30 days, in accordance with the Fair Credit Reporting Act ( FCRA ). If the investigation confirms the error, please ensure the immediate correction of my credit report. Kindly help me correct these late open accounts : XXXX  XXXX XXXX Balance Owed : {$2100.00} ; XXXX  XXXX XXXX Balance Owed : {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: GA

Complaint narrative:
I am writing to express my deep concern and frustration regarding the ongoing presence of fraudulent items on my credit report, despite multiple attempts to have them removed. These erroneous entries are having a detrimental impact on my financial well-being, and I urgently request your immediate assistance in resolving this matter. 

I first discovered these fraudulent items on my credit report. Since then, I have taken the following steps to address this issue : I submitted a written dispute to Credit Bureaus outlining the fraudulent items in question and providing substantial evidence to support my claim. I included copies of police reports, identity theft affidavits, and any other pertinent documentation to substantiate my claim. 
I followed up with Credit Bureaus via phone to inquire about the status of the investigation and the removal of the fraudulent items. I was informed that an investigation was ongoing. 

As the fraudulent items persisted on my credit report, I sent a second dispute letter, reiterating my concerns and the urgency of resolving this matter swiftly. 

I have not received any response or resolution regarding the removal of the fraudulent items from my credit report. 

The ongoing presence of these fraudulent items is causing significant harm to my credit score and is impeding my ability to secure credit, loans, or housing. I kindly request that Credit Bureaus conducts a comprehensive investigation into this matter and promptly removes all fraudulent entries from my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including : Copies of my dispute letters and correspondence with Credit Bureaus Police reports and identity theft affidavits Any other supporting documentation I request that Credit Bureaus investigates this matter promptly and provides me with a written response within 30 days, in accordance with the Fair Credit Reporting Act ( FCRA ). If the investigation confirms the fraudulent nature of these items, please ensure their immediate removal from my credit report. I am asking for your assistance to remove the following items : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO 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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Harley Davidson Financial Services Inc
State: WV

Complaint narrative:
In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 non-monetary relief
Consumer complaint received 2023-10-02 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$30.00} XXXX XXXX XXXX XXXX Balance : {$7800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4200.00} XXXXXXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$75.00} XXXX XXXX  I XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$470.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-10-02 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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX  ( Original creditor : XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: GA

Complaint narrative:
I am writing to express my deep concern and frustration regarding the ongoing presence of fraudulent items on my credit report, despite multiple attempts to have them removed. These erroneous entries are having a detrimental impact on my financial well-being, and I urgently request your immediate assistance in resolving this matter. 

I first discovered these fraudulent items on my credit report. Since then, I have taken the following steps to address this issue : I submitted a written dispute to Credit Bureaus outlining the fraudulent items in question and providing substantial evidence to support my claim. I included copies of police reports, identity theft affidavits, and any other pertinent documentation to substantiate my claim. 
I followed up with Credit Bureaus via phone to inquire about the status of the investigation and the removal of the fraudulent items. I was informed that an investigation was ongoing. 

As the fraudulent items persisted on my credit report, I sent a second dispute letter, reiterating my concerns and the urgency of resolving this matter swiftly. 

I have not received any response or resolution regarding the removal of the fraudulent items from my credit report. 

The ongoing presence of these fraudulent items is causing significant harm to my credit score and is impeding my ability to secure credit, loans, or housing. I kindly request that Credit Bureaus conducts a comprehensive investigation into this matter and promptly removes all fraudulent entries from my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including : Copies of my dispute letters and correspondence with Credit Bureaus Police reports and identity theft affidavits Any other supporting documentation I request that Credit Bureaus investigates this matter promptly and provides me with a written response within 30 days, in accordance with the Fair Credit Reporting Act ( FCRA ). If the investigation confirms the fraudulent nature of these items, please ensure their immediate removal from my credit report. I am asking for your assistance to remove the following items : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO 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 2023-10-02 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: GA

Complaint narrative:
I am writing to express my deep concern and frustration regarding the ongoing presence of fraudulent items on my credit report, despite multiple attempts to have them removed. These erroneous entries are having a detrimental impact on my financial well-being, and I urgently request your immediate assistance in resolving this matter. 

I first discovered these fraudulent items on my credit report. Since then, I have taken the following steps to address this issue : I submitted a written dispute to Credit Bureaus outlining the fraudulent items in question and providing substantial evidence to support my claim. I included copies of police reports, identity theft affidavits, and any other pertinent documentation to substantiate my claim. 
I followed up with Credit Bureaus via phone to inquire about the status of the investigation and the removal of the fraudulent items. I was informed that an investigation was ongoing. 

As the fraudulent items persisted on my credit report, I sent a second dispute letter, reiterating my concerns and the urgency of resolving this matter swiftly. 

I have not received any response or resolution regarding the removal of the fraudulent items from my credit report. 

The ongoing presence of these fraudulent items is causing significant harm to my credit score and is impeding my ability to secure credit, loans, or housing. I kindly request that Credit Bureaus conducts a comprehensive investigation into this matter and promptly removes all fraudulent entries from my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including : Copies of my dispute letters and correspondence with Credit Bureaus Police reports and identity theft affidavits Any other supporting documentation I request that Credit Bureaus investigates this matter promptly and provides me with a written response within 30 days, in accordance with the Fair Credit Reporting Act ( FCRA ). If the investigation confirms the fraudulent nature of these items, please ensure their immediate removal from my credit report. I am asking for your assistance to remove the following items : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX a federally protected consumer, holder in due course, attorney in fact. On XX/XX/. An unknown employee of XXXX XXXXXXXX XXXX XXXX has been reporting negative information onto my consumer report. The negative report says " Charge Off '' and also says " XXXX XXXX has flagged your account as charge-off ''. Please be advised. I am aware This is EXTORION. These actions has negatively affected my credit reputation with other financial institutions. Making almost impossible to live day by day.

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Dear cfpb can you please have equifax & XXXX  to provide me with written documentation of how they verified XXXXXXXX XXXX XXXX on my credit profile Ive already called numerous of times and sent letters if they can not provide me with this information please have them to remove this account from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C. 1681 A states I have a right to privacy.

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.

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 2023-10-02 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: AZ

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX  XXXX Bankruptcy XXXX XXXX & XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
To satisfy an alleged debt with the furnisher, I agreed to make payment toward the account GSFA Loan Servicing are reporting. According to the agreement, which I included for your review, the defaulted status removal was contingent upon the on-time payment of XXXX XXXX monthly AFTER 9 consecutive months, the probationary period starting XX/XX/XXXX, and ending XX/XX/XXXX. I signed the contract to solidify this agreement, XX/XX/XXXX. However, the report retroactively dated this payment to XX/XX/XXXX, which is false because during that the account was in default with the furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: CA

Complaint narrative:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/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