vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
To whom it may concern i am an consumer i have repeatedly tried to contact XXXX, Transuinion, and XXXX via letters and they have repeatedly and purposely avoided fixing the issues, with my consumer report, on the date of XXXX i sent my first certified letter with no response for months and i sent more letters and still no response. the letters stated that XXXX, XXXX, and Transunion were inaccurate reporting items on my consumer credit report.I read according to 15 U.S. Code15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
To whom it may concern i am an consumer i have repeatedly tried to contact XXXX, XXXX, and Experian via letters and they have repeatedly and purposely avoided fixing the issues, with my consumer report, on the date of XXXX i sent my first certified letter with no response for months and i sent more letters and still no response. the letters stated that XXXX, Experian, and XXXX were inaccurate reporting items on my consumer credit report.I read according to 15 U.S. Code15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-01-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that this account which I believe appearing to be inaccurate and incomplete be immediately investigated to the 3 credit Bureaus and corrected on my credit file. 
XXXX XXXX Balance : {$160.00}

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 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2024-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I dispute and demand the immediate removal of fraudulent items from my credit report. This misinformation is from inaccurate, incomplete, or unverifiable reporting. 
Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I dispute and demand the immediate removal of fraudulent items from my credit report. This misinformation is from inaccurate, incomplete, or unverifiable reporting. 
Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-25 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: CA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
I am not liable for the debt with XXXX XXXX. I do not have a contract with XXXXXXXX XXXX They did not provide me with the original contract as I requested. In accordance with the Fair Credir Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 SECTION 6 0 2, states I have the right to privacy ( 15 U.S.C. 1681 section 604 section 2 ) it also states a consumer agency reporting agency can not furnish an account without my written consent and/or instruction. This was also reported to the bbb.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am not liable for the debt with XXXX XXXX. I do not have a contract with XXXX XXXX They did not provide me with the original contract as I requested. In accordance with the Fair Credir Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 SECTION 6 0 2, states I have the right to privacy ( 15 U.S.C. 1681 section 604 section 2 ) it also states a consumer agency reporting agency can not furnish an account without my written consent and/or instruction. This was also reported to the bbb.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
I am not liable for the debt with XXXX XXXX. I do not have a contract with XXXX XXXX. They did not provide me with the original contract as I requested. In accordance with the Fair Credir Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 SECTION 6 0 2, states I have the right to privacy ( 15 U.S.C. 1681 section 604 section 2 ) it also states a consumer agency reporting agency can not furnish an account without my written consent and/or instruction. This was also reported to the 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 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I've consistently paid on time for this account, and it's disheartening to face issues for something I haven't done. Please rectify my account urgently and remove any incorrect information that's causing me undue stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
This is the continuation of the previous complaint ID XXXX. Because the system of Consumer Financial Protection Bureau automatically closes the complaint down right after receiving a response from the bank, so I have to open up a new complaint. 

The response from the bank was a XXXX XXXX XXXX XXXXXXXX, the XXXX XXXX XXXX is a XXXX XXXX XXXX and she told me in her letter to call their Customer Service about their closing my accounts when their Customer Service does not have any information and does not know anything about it? She wants me to call their customer service and yell and fuzz at their customer service instead of her when their customer service does not know anything about t he issues? 

When Ally Bank closes down my accounts UNFAIRLY, they only sent me a letter saying that they closed my accounts down ; that was it, they did not say anything why or what was the reason. I called and asked but they were not able to tell me why. 

I still have records that I did complained alot about their online banking was down a lot that I could not pay my bill using their pay bill features, and I think they revenged me for complaining by closing my accounts down. 

Also, I did use my debit card to purchases and later disputed some transactions. However, I do not think that is the reason why.

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 2024-01-25 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 Equifax and XXXX 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 XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$580.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: MI

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that this account which I believe appearing to be inaccurate and incomplete be immediately investigated to the 3 credit Bureaus and corrected on my credit file. 
XXXX XXXX Balance : {$160.00}

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 2024-01-25 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: MI

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that this account which I believe appearing to be inaccurate and incomplete be immediately investigated to the 3 credit Bureaus and corrected on my credit file. 
XXXX XXXX Balance : {$160.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

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 2024-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I dispute and demand the immediate removal of fraudulent items from my credit report. This misinformation is from inaccurate, incomplete, or unverifiable reporting. 
Details : 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

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2024-01-25 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: TX

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX I'd ordered an XXXX  chair on line from a company called XXXX XXXX based in XXXX. XXXX paid for this chair was {$3400.00}. Their email indicated this chair will take about XXXX weeks. I'd waited till end of XXXX and send them email to ask about shipping information. I got an responding email in early XXXX and was told the item was shipped and check back later for tracking information. I'd send another email in mid XXXX asking for the tracking information. Then was told they CAN NOT provide one due to systems issues. I waited another week and send another email and was told someone will contact me and provide me with this tracking #. Then I don't hear from them after this. In XXXX I still HAVE NOT receive my chair and they DID NOT respond or provide me a tracking #. I filed a dispute with my credit card company ( Apple mastercard ). Then out of the blue, In mid XXXX I'd received an EMPTY ENVELOPE WITH NOTHING INSIDE but there's a tracking # on the envelope. This envelope postmarked XX/XX/XXXX. cost them XXXX pounds. according to USPS information. It's a small package and was put inside my mailbox. The chair I'd ordered weight XXXX XXXX. The box would have to be too big to put inside mailbox. I'd since have done some research about this company. They are a SCAM. I'd send all these information to Apple card but they based their finding on this XXXX  tracking #. Bottom line is : I DID NOT RECEIVE THE ITEM THAT I'D ORDERED! 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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