vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 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: FL

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, 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. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 2024-01-10 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:
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-01-10 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: IL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-01-10 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: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2024-01-10 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: FL

Complaint narrative:
The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XX/XX/2022 XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOVERY is attempting to collect on a fraudulent debt that I do not owe nor authorized. I have never done business with this company and just the fact that they have access to my private and personal information without my consent is causing me great mental anquish. I have NEVER agreed to or transacted to do any business with PORTFOLIO RECOVERY or any of its affiliates and my identity has been comprised and I will seek relief if not rectified and deleted immediately. This reporting is fraudulent and a violation of my rights under FCRA, FDCPA and my right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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:
I have a XXXX account listed on my credit reports ( 3 ) that I have never opened. The account lists me as an authorized user. I have never opened an account with XXXX nor have added myself to an account as an authorized user. I called XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and spoke to several people who gave me incorrect information. I was finally told on XXXX XXXX they would remove it from my credit report. Almost 60 days later it continues to show on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 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:
I just noticed XXXX XXXX XXXX XXXX on my credit report. I never opened ANY of these cards. I have filed an FTC report with them on it. Still no action. Why is XXXX putting it on my credit report??? I also told the credit bureaus to remove as it's not mine. They won't follow the law. I've sent them a FTC report. Those accounts that aren't mine are still there. I have NEVER had a contract with chase ever. 
Partial account XXXX XXXX from my credit report XXXXXXXX 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 2024-01-10 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: CA

Complaint narrative:
I just noticed XXXX XXXX card services on my credit report. I never opened ANY of these cards. I have filed an FTC report with them on it. Still no action. Why is XXXX putting it on my credit report??? I also told the credit bureaus to remove as it's not mine. They won't follow the law. I've sent them a FTC report. Those accounts that aren't mine are still there. I have NEVER had a contract with XXXX ever. 
Partial account XXXX XXXX from my credit report XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: CA

Complaint narrative:
I just noticed XXXX XXXX XXXX XXXX on my credit report. I never opened ANY of these cards. I have filed an FTC report with them on it. Still no action. Why is XXXX putting it on my credit report??? I also told the credit bureaus to remove as it's not mine. They won't follow the law. I've sent them a FTC report. Those accounts that aren't mine are still there. I have NEVER had a contract with XXXX ever. 
Partial account XXXX XXXX from my credit report 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 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
I deposited my XXXX  to crypto.com wallet address they provided on XX/XX/XXXX since then my assets are not verifiable. Transaction id and everything was provided to support and no response for over XXXX. Tried to contact with them through email and app customer support and XXXX XXXX but they are not providing single information about missing deposit. There are more than XXXX people asking whats going on on XXXX and they have autobot to reply and nothing happened. As crypto.com is largest exchange based in US, I really dont understand how this can be happened. They dont have any way to provide customer support and they kept sending auto reply for same wording emails with apologies and if I still need help contact them again. I did contact them everyday and no answer and I believe this can be serious problem because I checked their audit report for my funds and it was done in XXXX  which doesnt make anything clear about funds they are holding under customers account. This can be XXXX XXXX  if we dont really have no answet about funds they are holding. Its hard earned money customers put in to trade and plan to invest. 
I really recommend to look into this matter because this can be impacted on our economy system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Fraudulent inquiries on my credit report 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 2024-01-10 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-01-10 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: WV

Complaint narrative:
This gift card was bought as a XXXX present but sat laying unopened in my safe for a while until I was ready to use it but when I checked the balence I seen it had already been used

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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:
On XX/XX/XXXX I reviewed my consumer report and noticed an adverse item being furnished by XXXX XXXX for an alleged debt owed in the amount of {$1100.00}. As of XX/XX/XXXXXXXX XXXX XXXX  had been notified of ; the misleading, inaccurate information, my right to refuse to pay such alleged debt and to cease all further communication conveying the inaccurate information. This included but not limited to ; telephone calls, emails or any furnishing of information to the consumer reporting agencies. 

XXXX XXXX can not furnish this alleged debt to a consumer reporting agency before first contacting the consumer. I Never received any initial notice and communication or ANY correspondence or communication in regards to such alleged debt. pursuant to sections 814 ( d ) and 817 of the Fair Debt Collection Practices Act ( FDCPA or Act ), 15 U.S.C. 1692l ( d ), 1692o ; title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) Pursuant to 1006.38 XXXX XXXX must cease collection of the debt until XXXX XXXX sends a copy of verification of the debt or of a judgment to the consumer in writing or electronically in the manner required by 1006.42 ; XXXX XXXX is a furnisher under the Fair Credit Reporting Act. by law at the time of XXXX XXXX being notified at the address specified in Exhibit ( ) of the inaccurate information they are furnishing, XXXX XXXX  shall have cease the furnishing of any information to the consumer reporting agency Pursuant to 15 USC 1681S-2 ( a ) ( 1 ) ( ( B ) ( i ). 

It has been well over 30 days and XXXX XXXX has failed to comply and respond to such notice and correspondence. XXXX XXXX has failed to XXXX XXXX has strict liability and must comply with all statutes and regulations set forth. Negligence of the law is no excuse. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, XXXX XXXX can and will be held Civil liability due to Non-compliance. ( 15 usc 1692k ( c ) XXXX Midland Funding, LLC XXXX XXXX 137 S. Ct. 1407 ( 2017 ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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:
On XXXX XXXX XXXX  I reviewed my consumer report and noticed an adverse item being furnished by XXXX XXXX for an alleged debt owed in the amount of {$1100.00}. As of XXXX XXXX XXXX XXXX XXXX  had been notified of ; the misleading, inaccurate information, my right to refuse to pay such alleged debt and to cease all further communication conveying the inaccurate information. This included but not limited to ; telephone calls, emails or any furnishing of information to the consumer reporting agencies. 

XXXX XXXX can not furnish this alleged debt to a consumer reporting agency before first contacting the consumer. I Never received any initial notice and communication or ANY correspondence or communication in regards to such alleged debt. pursuant to sections 814 ( d ) and 817 of the Fair Debt Collection Practices Act ( FDCPA or Act ), 15 U.S.C. 1692l ( d ), 1692o ; title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) Pursuant to 1006.38 XXXX XXXX  must cease collection of the debt until XXXX XXXX sends a copy of verification of the debt or of a judgment to the consumer in writing or electronically in the manner required by 1006.42 ; XXXX XXXX is a furnisher under the Fair Credit Reporting Act. by law at the time of XXXX XXXX being notified at the address specified in Exhibit ( ) of the inaccurate information they are furnishing, XXXX XXXX shall have cease the furnishing of any information to the consumer reporting agency Pursuant to 15 USC 1681S-2 ( a ) ( 1 ) ( ( B ) ( i ). 

It has been well over 30 days and XXXX XXXX has failed to comply and respond to such notice and correspondence. XXXX XXXX has failed to XXXX XXXX has strict liability and must comply with all statutes and regulations set forth. Negligence of the law is no excuse. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, XXXX XXXX can and will be held Civil liability due to Non-compliance. ( 15 usc 1692k ( c ) ) Midland Funding, LLC v. XXXX, 137 S. Ct. 1407 ( 2017 ) - Proof of Claim

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 2024-01-10 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: WA

Complaint narrative:
I am writing to file a formal complaint against Equifax for what I believe to be multiple violations of the Fair Credit Reporting Act ( FCRA ) and related privacy laws. As a consumer with rights protected under federal law, I am formally opting out of any and all authorizationswhether written, verbal, or otherwise impliedthat I may have previously provided to Equifax, as is my right under 15 U.S.C. 6802. 

The FCRA, specifically under 15 U.S.C. 1681b, outlines the permissible purposes for which a consumer reporting agency may furnish credit reports. This section requires that I provide explicit written consent before my credit report can be released. Furthermore, 15 U.S.C. 6802 ( b ) states that my personal information can only be furnished if I am given a clear and conspicuous opportunity to opt out, which was not provided by the financial institutions listed on my credit report. 

Additionally, pursuant to the privacy regulations found in 16 CFR Part 313, notably 313.1 and 313.7, I should have been provided a form of opt-out notice, as well as a continuing right to opt out of such disclosures. Equifax, as a non-affiliated third party, should not possess or disseminate my personal information without my explicit consent. 

The inaccuracies present on my credit report, which I have detailed and circled in the attachments accompanying this complaint, include but are not limited to dates, amounts, and account statuses. Each financial institution that has reported to Equifax has assured me through their privacy notice terms and conditions that my information would not be shared with third-party companies, yet it appears that this has not been the case. 

I am aware that the FCRA provides for statutory damages of up to {$1000.00} per violation, as well as the potential for punitive damages and the recovery of attorney 's fees and costs for willful noncompliance ( 15 U.S.C. 1681n ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING is attempting to collect on a fraudulent debt that I do not owe nor authorized. I have never done business with this company and just the fact that they have access to my private and personal information without my consent is causing me great mental anquish. I have NEVER agreed to or transacted to do any business with LVNV or any of its affiliates and my identity has been comprised and I will seek relief if not rectified and deleted immediately. This reporting is fraudulent and a violation of my rights under FCRA, FDCPA and my right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I mailed certified letters to the credit bureaus on XX/XX/year> containing a complaint about the accounts on my credit report along with a copy of my state ID, SSI card and a utility bill. I received a letter from the credit bureaus asking that I provide a copy of my ID, proof of address, and SSI to prove my identity and other said the information was factual.

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