vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-03 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: GA

Complaint narrative:
This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because an identity theft. The items 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: IL

Complaint narrative:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} ; 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 2022-10-03 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: IL

Complaint narrative:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} ; 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 explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the following fraudulent accounts in my file that are reporting on Experian Credit Bureau. I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. I have already done my part by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Experian. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt PLEASE DELETE IMMEDIATELY! 


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 2022-10-03 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: NY

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the following fraudulent accounts in my file that are reporting on Equifax Credit Bureau. I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. I have already done my part by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Equifax. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt PLEASE DELETE IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please promptly remove the phone number XXXX as they are not deliverable to me by the XXXX XXXX XXXX XXXX and they are not reportable as per the FCRA, since they are inaccurate Therefore, they must be removed.

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 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please promptly remove the phone number XXXX as they are not deliverable to me by the XXXX XXXX XXXX XXXX and they are not reportable as per the FCRA, since they are inaccurate Therefore, they must be removed.

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 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
It's been over a week since my DM and no response ( DM reposted below ) so as a next step I have filed a complaint with the Consumer Financial Protection Bureau. You have gone from a friendly, consumer focused bank to a non-caring, unresponsive organization that doesn't value its customers. It's sad. 
-- -- - I've been a Capital One customer for nearly 40 years. Some time ago, I opened a XXXX account to buy and redeem US treasury bonds and used my Capital One account as the source of the funds- the Treasury simply withdrew the money from the account, using the bank 's routing number and my account number. I did this for several years. Recently, however, Capital One unilaterally converted my checking account to a " XXXX account '' - it's new product - and in the process changed the Bank 's routing number. That means that I can not use the account to purchase additional bonds or redeem the bonds that have matured unless I first change the routing number on file with XXXX. XXXX does not permit changes to routing numbers online ; rather, they require a Form XXXX which must be signed by me in front of a bank officer, and that officer must sign, certify and affix an official seal or stamp to the form. I went to Capital One to complete the form and have them sign and affix the required seal or stamp, but the Bank told me " we don't do that '' - they won't sign and affix the seal or stamp. So Capital One caused this problem but they won't fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: MO

Complaint narrative:
This is XXXX XXXX and I am once again submitting this CFPB complaint since the Credit Reporting Agencies have done nothing to correct my Credit file. This CFPB Complaint is formal notice that the Credit Reporting Agencies have failed to respond in a timely manner to my dispute letters and CFPB complaints. The Credit Reporting Agencies informed me to contact the creditors and I have done so. According to FDCPA 809b, the Credit Reporting Agencies are required to delete or update these accounts until they validate. I have requested validation and they have not produced it. Please update or delete the following accounts now : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6700.00} XXXX XXXX  XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This is XXXX XXXX and I am once again submitting this CFPB complaint since the Credit Reporting Agencies have done nothing to correct my Credit file. This CFPB Complaint is formal notice that the Credit Reporting Agencies have failed to respond in a timely manner to my dispute letters and CFPB complaints. The Credit Reporting Agencies informed me to contact the creditors and I have done so. According to FDCPA 809b, the Credit Reporting Agencies are required to delete or update these accounts until they validate. I have requested validation and they have not produced it. Please update or delete the following accounts now : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, 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:
I have tried multiple times to fix this issue with XXXX XXXX and Experian concerning the XXXX XXXX account. I have informed them several times how the account is not reporting accurately on my credit report. The EXPERIAN is reporting that the account STATUS IS LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE. 
The XXXX is reporting STATUS : CLOSED / payment after charge off/collection settled- less than full balance. 

It has now been eight months that I have tried to get this item removed from my credit report for reporting incorrectly XXXX XXXX and Experian have failed to do a proper investigation. They continue to let the an accurate reporting continue month by month while continuing to damage my 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 explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right of privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a customer reporting agency can not fumish a account with out my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED, AND WAS NOT NOTIFIED OF INCORRECT INFORMATION ON MY REPORT. 

I MAILED ON XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-03 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: TX

Complaint narrative:
On XX/XX/2022 I sent a letter for inaccurate account on my credit report. It has been over 15 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this account gives reason to immediately correction this account from my credit report. I am distressed that you have included the account below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The account therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that the account be corrected immediately or I will file for litigation. 
XXXX XXXXXXXX XXXX Balanced Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/2022 I financed a purchase through Affirm.com for XXXX for {$4700.00}. The item that was to have been delivered was initially lost and not delivered, when it was found the freight company refused to deliver and returned the product back to the shipper in California. I attempted many times to resolve the issue directly with XXXX and Affirm.com to no avail. On XX/XX/2022 I initiated a dispute with Affirm. I uploaded supporting documentation that showed the spa was not delivered, and then was returned to California, but prior to being returned to California it was rerouted by XXXX to a consumer in Texas where they resold the spa. After months of uploading documentation and not hearing back from Affirm.com they responded XX/XX/2022 that the dispute I opened was resolved in the companies favor with the company reporting the item was delivered. There is no proof of delivery because the item was never delivered to my house, again I uploaded supporting documentation that showed the spa delivered in Texas, where I do not live. I continued to file complaints and disputed thorugh the Department of Consumer Affairs in both California and Tennessee, and thXXXX XXXX involving both Affirm and OutletSpas. XXXX recently acknowledged in an email that they authorized the loan to be canceled by Affirm.com when the spa was initially lost. However, Affirm is telling me I am responsible to make the payments for the entire loan balance on top of the payments I have already made. I have never received merchandise. This has been going on since XXXX and both companies are refusing to cancel the loan and refund my money. XXXX made money from my initial purchase, and then when they resold the spa. This is being reported on my credit report, when the loan terms were not carried out, there was never receipt of merchandise which I have proven to Affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Today on Sunday, XX/XX/22, I received a notification through my credit monitoring system that a Bank of America credit card, which was not authorized by me, was opened up in my name.

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 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$3100.00} and XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$1500.00}. 

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 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

This is the list of account which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX Balance : {$20000.00}

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