vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
( XXXX ) XXXX XXXX XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show XXXX in 14 days - please remove inquiry. ////// ( XXXX ) XX/XX/XXXX - XXXX  XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. ////// ( XXXX ) XX/XX/XXXX, XXXX - XXXXo reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( 5 ) XX/XX/XXXX - Equifax XXXX No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XX/XX/XXXX - Equifax Mortgage - XX/XX/XXXX - Equifax Mortgage - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show XXXX in 14 days- please remove inquiry. ///// ( XXXX ) XXXX XXXX- XXXX XXXX  - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XXXX XXXX, XXXXXXXX XXXX XXXX Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XXXX XXXX, XXXX, Equifax Mortgage - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( 10 ) XXXX XXXX XXXX - XXXX  - XXXX XXXX, XXXX, XXXX XXXX Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$660.00} ; 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
Consumer complaint received 2022-12-29 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: NV

Complaint narrative:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$660.00} ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: FL

Complaint narrative:
( XXXX ) XXXX XXXX XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. ////// ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. ////// ( XXXX ) XX/XX/XXXX, XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XX/XX/XXXX - XXXX XXXX No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XX/XX/XXXX - XXXX XXXX  - XX/XX/XXXX - XXXX XXXX  - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage XXXX XXXX only show XXXX in 14 days- please remove inquiry. ///// ( XXXX ) XXXX XXXX- XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XXXX XXXX, XXXX, XXXX XXXX Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XXXX XXXX, XXXX, XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XXXX XXXX XXXX - XXXX - XXXX XXXX, XXXX, XXXX XXXX XXXX No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// 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 2022-12-29 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: FL

Complaint narrative:
( XXXX ) XXXX XXXX Credit Certified - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. ////// ( 2 ) XX/XX/XXXX - XXXX  XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XX/XX/XXXX, Credit Certified - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. ////// ( XXXX ) XX/XX/XXXX, XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( 5 ) XX/XX/XXXX - XXXX XXXX- No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XX/XX/XXXX - XXXX XXXX  - XX/XX/XXXX - XXXX XXXX  - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ///// ( XXXX ) XXXX XXXX- Certified Credit - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XXXX XXXX, XXXX, Certified credit Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XXXX XXXX, XXXX, XXXX XXXX  - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// ( XXXX ) XXXX XXXX XXXX - XXXX  - XXXX XXXX, XXXX, Certified credit Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. ////// 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 2022-12-29 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: 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor The following accounts need to investigate and correct 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 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 2022-12-29 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: 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor The following accounts need to investigate and correct 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 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 2022-12-29 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: LA

Complaint narrative:
I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXX XXXX, LA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Account Number : XXXX XXXX. The following personal information is incorrect Account Number : XXXX  : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : 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 2022-12-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I've repeatedly contacted IC Systems ( ICS ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX to ask that they remove an account previously with XXXX XXXX for Cable and internet services in the amount {$130.00}. 

The company has been report this account as in a collection status since XX/XX/2020. The account in fact was over-paid closed. XXXX actually issues a {$250.00} credit for the overpayment. 

I reached out to IC Systems several times starting in XX/XX/2020 to ask that they contact XXXX XXXX to confirm the status of the account and I was told that they would not contact XXXX XXXX  to confirm the account. 

I also provided a copy of my receipt of the final payment made in XX/XX/2020 along with a letter asking that IC Systems delete to account. At the time I was just retiring from the military and trying to complete the purchase of a home. 

Due to the erroneous debt my credit score dropped over XXXX points over the course of 6mos and forthmore impacting my ability to secure a mortgage. 

I'm currently consulting an attorney to possibly file a lawsuit for damage as result of IC System 's erroneous reporting of this account. 

I'm also considering pursuing a class action suit again the company for it's practice. 

Please help.. 

Respectfully,

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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX is not reporting the Balance and Amount owed every XXXX XXXX XXXX and that is creating issues with my XXXX XXXX not increasing and the Balance shown is Greater than what I owe. Contacted the Company XXXX times but still they are not reporting that correctly to the Credit Bureaus and I am unable to Refinance my Auto Loan. 

Spoke to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and disputed the Amount outstanding being incorrectly reported to the Credit Bureaus XXXX 

She informed that the matter has been reported to the XXXXXXXX XXXX and she would call me back when she hears back from them, approx. in XXXX XXXX She would also provide a XXXX XXXX for the issue once she gets it from the XXXXXXXX XXXX  but never received any response till date. 

Even called them again and have the XXXX recording made on XX/XX/2022 at around XXXXXXXX XXXX 

Call was transferred to the XXXXXXXX XXXX and they assured that the Correct Balance would be reflected in the Credit Bureaus by XX/XX/2022 but as of XX/XX/2022 they still not reported the correct 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 non-monetary relief
Consumer complaint received 2022-12-29 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: FL

Complaint narrative:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or removed. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are repaired immediately : 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 XXXX XXXX XXXX XXXX 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