vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-30 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: IL

Complaint narrative:
I first wrote a certified letter to XXXX XXXX XXXX  XXXX # XXXX asking them to verify alleged debt. I am unaware of this debt. XXXX  XXXX chose to not respond. I then asked XXXX, XXXX AND EQUIFAX to verify debt. XXXX AND XXXX were unable to get the company to respond or give proof that I in fact owe this alleged debt. EQUIFAX has come back verified. I called EQUIFAX on a recorded line XX/XX/2022 and XX/XX/2022 asked them for proof of their investigation or how they came back with their decision. On XX/XX/2022 I was told by an EQUIFAX EMPLOYEE that THEY are not allowed to delete items under the FCRA which I know is not true. I spoke to a supervisor who also stated that XXXX XXXX has to be the one to tell them to delete the items which I also know is not true. I called again XX/XX/2022 and I was told that XXXX XXXX  verified the information but when I asked them what they sent that was verifiable the EQUIFAX EMPLOYEE stated that she could not see that in her system. She then proceeded to tell me on a recorded line I would have to file a police report even though the account was deleted from XXXX AND XXXX because they did an actual INVESTIGATION. 

Equifax stated my account was properly investigated but how is that possible if what I stated above is true that would mean they did not investigate, validate, verify or do anything that they are upheld by the law to do. I have proof as well. This is ground for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A. 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 an account without my written instructions.

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 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 



PROOF ENLCOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: TX

Complaint narrative:
XXXX XXXX XXXX Account number XXXX The Credit Bureaus stated my account was properly investigated but how is that possible the last date reported is inaccurate. The last date active is inaccurate, and the payment status says collection/charge-off this is inaccurate information because their can be to different payment claims it has to be either a charge-off or collection it can not be both. The payment history is also inaccurate in shows no activity for the last 3 years with that being stated no actually debt is owed. This is ground for removal and this is a clear violation of my rights.

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. Also states a consumer reporting agency can not furnish without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: CA

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 Date Opened : XX/XX/XXXX Balance : {$210.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$810.00}. 

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 explanation
Consumer complaint received 2022-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
Dear XXXX XXXX, You are unlawfully using malpractices for extortionate means to torture me compelling a payment through extension of credit by furnishing libel data on my consumer report without my lawful consent nor from an authority of law or a express permission of a competent judicial court. You are knowingly acting as an supersede against the law disregarding the injunction issued by me notwithstanding mentioned the past 3 complaints through the CFPB. I repudiate the piracy and deceptive proof of evidence I received from your company until you provide me with valid legal documents of your clients arbitral contract not excluding with such your lawful method of verification of the documents as requested. PLEASE BE ADVISED your disregard acting as a force majeure against the Gramm-Leach-Blilley Act using extortionate means is inevitable of an conviction fined or liability of 20 years in prison ( Rico Act ) pursuant to 18 USC 891. Furthermore, XXXX XXXX ( XXXX ) of PDM company and XXXX XXXX XXXX XXXX for which your signatures on numerous documents proves your the culprit of these negligence documents pertaining my personal identification. Your retaliatory behavior will not be shown any mercy of the federal law! These previous exhibits of documents are valid proof of your fraudulent and extortionate means to unlawfully invade my privacy and force payment for this imaginary debt you can not legally prove!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX ) XXXX I have asked for information for the reporting company for any signed documents that this loan belongs to me and it could not be furnished. Despite the fact that someone else is paying for this loan in a timely manner, it does not belong to me. I have never needed a loan for school because my tuition was mostly paid by my federal financial aid.

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 2022-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX ( XXXX ) XXXX I have asked for information for the reporting company for any signed documents that this loan belongs to me and it could not be furnished. Despite the fact that someone else is paying for this loan in a timely manner, it does not belong to me. I have never needed a loan for school because my tuition was mostly paid by my federal financial aid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX  XXXX XXXX and is Retaliating against me as a XXXX XXXXXXXX XXXX XXXX and did not update my XXXX Credit Report " Payment Status '' ... The Balance only showed XXXX because you Sold it to be collected on. My Credit Reports are not showing that the Account was Paid based on the documentation provided to XXXX XXXX and XXXX. XXXX XXXX knows that the Algorithm is located in the " Payment Status '' not the Balance being XXXX only ... My XXXX Report showed a XXXX Balance last month but XXXX XXXX still did not update the " PAYMENT STATUS '' Section which is Reflected on My XXXX Report. They are still Retaliating and Discriminating and Undermining my Intelligence as a XXXX XXXX XXXX and U.S. Veteran. My Scores are still being Negatively impacted by XXXX XXXX based on how they are reporting to the XXXX Credit Bureaus ... They need to update all Credit Reports to show that the Payment Status as " Settled and Paid in Full '' I paid # XXXX on an account which as only {$2000.00} owed. but when they turned it over to XXXX XXXX XXXX, after XXXX XXXX in Bankruptcy, they still attempted to collect through XXXX & XXXX! I paid the Account, and my Credit Reports need to be updated in the " PAYMENT STATUS '' Section and NOT Only in the Balance section of the Credit Reports.

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 2022-06-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX  XXXX  Lied and is Retaliating against me as a XXXX XXXXXXXX XXXX XXXX  and did not update my Equifax Credit Report " Payment Status '' ... The Balance only showed XXXX because you Sold it to be collected on. My Credit Reports are not showing that the Account was Paid based on the documentation provided to XXXX XXXX and Equifax. XXXX XXXX knows that the Algorithm is located in the " Payment Status '' not the Balance being XXXX only ... My XXXX Report showed a XXXX Balance last month but XXXX XXXX still did not update the " PAYMENT STATUS '' Section which is Reflected on My XXXX Report. They are still Retaliating and Discriminating and Undermining my Intelligence as a XXXX XXXX XXXX and U.S. Veteran. My Scores are still being Negatively impacted by XXXX XXXX based on how they are reporting to the Equifax Credit Bureaus ... They need to update all Credit Reports to show that the Payment Status as " Settled and Paid in Full '' I paid # XXXX on an account which as only {$2000.00} owed. but when they turned it over to XXXX XXXX XXXX, after XXXX XXXX in Bankruptcy, they still attempted to collect through XXXX & XXXX! I paid the Account, and my Credit Reports need to be updated in the " PAYMENT STATUS '' Section and NOT Only in the Balance section of the Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, Exeter Finance LLC acount # XXXX violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: IL

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Some have different dates and charge off dates. This is ground for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A. 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 an account without my written instructions. 
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 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

PROOF ENCLOSED 1XXXX ACCOUNT XXXX ACCOUNT TYPE INACURATE DATE LAST ACTIVE INACURATE 2XXXX XXXX XXXX ACCOUNT TYPE INACURATE NO ORIGINAL CREDITOR ( WHOSE ORIGINAL CREDITOR ) DATE LAST ACTIVE INACURATE 3.US DEPT OF ED/XXXX NO OF MONTHS INACURATE PAYMENT STATUS LAST REPORTED INACURATE DATE LAST ACTIVE INACURATE 4. XXXX XXXX XXXX ACCOUNT TYPE INACURATE LAST REPORTED INACURATE DATE LAST ACTIVE INACURATE

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 2022-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: CA

Complaint narrative:
I have received a charge on my credit report that I owe {$5700.00} for rent for the year of XXXX to XXXX XXXX that was transferred to XXXX XXXXXXXX. 
This amount is placed for collections without my consent. 
I did not live nor rented any apartment during that year as I lived in California since XXXX of XXXX. 

Please review this charge and investigate this mistake. 

I am attaching a letter from my landlord in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: GA

Complaint narrative:
In accordance with the Fair credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights 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 166b A creditor may not treat a payment on a credit card card account under an open end consumer credit plan as late for any reason

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 2022-06-30 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: GA

Complaint narrative:
In accordance with the Fair credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights 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 166b A creditor may not treat a payment on a credit card card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: CA

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. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date opened : XX/XX/XXXX Balance : {$580.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$240.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX {$390.00}, and XXXX  XXXX Date opened : XX/XX/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 explanation
Consumer complaint received 2022-06-30 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: Grain Technology, Inc.
State: NC

Complaint narrative:
Hello, I have on my credit report to the company Grain Tech Support for them to correct the payment history on my credit card account i hold with them. they have failed to do so i have called several times and emailed in which i have attached all email correspondence, they responded with an automated generated message and still failed to correct the issue for example. i emailed them XX/XX/XXXX @ XXXX in reference to there inaccurate payment history reporting and they failed to respond the following errors go back to XXXX this is effecting my credit score drastically. here is list of the following errors with the factual proof of my most recent credit report. 
XXXX of XXXX- XXXX reported me 30 days late but XXXX XXXX XXXX reported me paying ON TIME. 
XXXX of XXXX XXXX reported me ON TIME FOR PAYMENT, but XXXX XXXX XXXX Reported me 30 days late. how can i be ontime with one credit agency and late with the other 2 in the same month. this is a violation and inaccurate data reporting. XXXX of XXXX XXXX reported me 30 days late but XXXX XXXX XXXX reported me on time. this is an ongoing problem for over a year now. 
XXXX of XXXX XXXX reported me on time. XXXX Reported 30 days late, XXXX Reported nothing at all that month how is that accurate. XXXX of XXXX XXXX reported me 90 days late, XXXX reported me paying on time, and XXXX Reported me paying on time as well. something has to be done about all these errors they need to be proven, deleted or updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30 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: CA

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. 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

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 2022-06-30 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: CA

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. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date opened : XX/XX/XXXX Balance : {$580.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance XXXX {$390.00}, and XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation