vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TN

Complaint narrative:
On Approximately XX/XX/2023, I contacted LexisNexis aka XXXX XXXX and requested a copy of my consumer report and to place a security freeze on the account. On or about XX/XX/XXXX, I received confirmation of the freeze, but not the consumer report so I called to inquire about the report and was told it wasn't requested so I would have to do so in writing. So again I submitted the request also with verification documentation. Approximately XX/XX/XXXX, I received a link and password to the report which didn't work. 

On XX/XX/XXXX, I called to get support with accessing the report and also stated that I would like to dispute some items on the report. XXXX told me there was already a dispute and I replied, how is that possible when I haven't even seen the report so I would like to start a dispute now, she hung up on me. 

I called back and got XXXX, agent # XXXX from the XXXX who refused to take the information I wanted to dispute. I reminded him that I have a right under the FCRA to dispute any data they collect and that I never authorized or consented to them sharing any information about me, especially unverified public information. 

After several minutes of refusing to take my dispute, I advised him I was recording the call and would report them to CFPB and the Attorney General 's office or whoever I could report the too for violating my rights. 
XXXX finally began taking the dispute, but when I got to the section regarding the bankruptcy, he flat out refused to place the dispute. He insisted that it had already been verified and he would not put it in the report. I then asked for the method of verification. What clerk had they spoken with, what was the phone number and in which court. I then reminded him again that I was recording the call. I advised him that Indiana XXXX XXXX would not verify any such information and he could find that on their website, so unless he could show proof, I want all of the items I requested to be deleted. Finally he began the report and gave me a reference number. Then I noticed that their other company XXXX also had a report, and I asked to dispute it as well. They had a XXXX page report spanning over 30 years with people and places I either didn't know or addresses I never lived. I don't believe he actually submitted the dispute and that is why I am submitting this complaint..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: KY

Complaint narrative:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX {$29000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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 sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX  ( Original Creditor : T XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX ) XXXX  Balance : {$390.00} XXXX XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4300.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX Inquiry : XX/XX/2022 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 2023-03-10 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: TX

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX  XXXX Date opened : XXXX XXXX, XXXX Balance : {$330.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Date opened : XXXX 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 explanation
Consumer complaint received 2023-03-10 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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$330.00} ; XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Date opened : XXXX 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 explanation
Consumer complaint received 2023-03-10 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: KY

Complaint narrative:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX  {$29000.00} XXXX XXXX XX/XX/2XXXX 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 2023-03-10 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I AM NOT AWARE ABOUT THIS COMPANY HOWEVER I AM CHECKING MY CREDIT REPORT AND HOWEVER THIS ACCOUNT HAS PUT A HUGE INDENT IN MY NAME. I AM ASKING THAT IT BE INVESTIGATED AND REMOVE. I HAVE NOT SIGNED UP OR GAVE ANYONE MY SOCIAL TO UTILIZE FOR ANYTHING. 
I HAVE NEVER LIVED AT THE ADDRESS ASSOCIATED TO THIS CREDIT CARD NOR HAVE I OPENED AN ACCOUNT THIS BANK. I AM ASKING FOR HELP FROM BOTH PARTIES.

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 2023-03-10 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: AR

Complaint narrative:
It has been a dissappointment seeing my Credit File still indicated the disputed accounts reported on my Credit File despite the numerous attempts I have done to correct my Credit File. I have been sending dispute letters directly to the Credit Bureaus with complete attachments of my perosnal information. I have also submitted CFPB Complaints to the in hopes that the Credit Bureaus will be able to see my disputes. But no matter how I try, the Credit Bureaus have also been ignoring my requests. Their willful non-compliance with the Fair Credit Reporting Act, is a clear violation of a consumer 's rights under the Federal Law. The Credit Bureaus have been claiming that the Disputed accounts and information are verified and yet they have not sent me copies of proof of their verification. I wish to avoid as much trouble for me and the Credit Bureaus. If it not that too much to ask, please have the following items corrected and fixed from my Credit File : XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX Balance Owed : {$88.00} ; XXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX Balance Owed : {$3000.00} ; XXXX XXXX Balance Owed : {$4700.00} ; XXXX XXXX Balance Owed : {$0.00}. If the Credit Bureaus are not able to find me any documents to support their claims that the disputed accounts have been verified, I would greatly appreciate it you correcting the disputed accounts as soon as possible.

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 2023-03-10 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:
This is my several requests but still, the same accounts were erroneous. The 3 credit Bureaus are required to authenticate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$530000.00} XXXX XXXX Balance : {$260.00}

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 2023-03-10 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
XXXX. First discovered credit inquiry by Capital One Bank on XXXX XXXX. Initiated a dispute. Called and communicated with Capital One. Capital one representative stated the inquiry will be deleted in 90 days.. The inquiry that I have no knowledge about is still on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I ordered I toilet which was not the one I received. I filled a dispute with Chase and was denied. I filed the same dispute with the merchant, XXXX 's, and they gave me a refund. I wrote Chase to inform them of this ( not asking for a refund since I already got it ). They sent a letter back on XX/XX/XXXX telling me that they were right and I was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: VA

Complaint narrative:
This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 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: VA

Complaint narrative:
This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 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: AR

Complaint narrative:
It has been a dissappointment seeing my Credit File still indicated the disputed accounts reported on my Credit File despite the numerous attempts I have done to correct my Credit File. I have been sending dispute letters directly to the Credit Bureaus with complete attachments of my perosnal information. I have also submitted CFPB Complaints to the in hopes that the Credit Bureaus will be able to see my disputes. But no matter how I try, the Credit Bureaus have also been ignoring my requests. Their willful non-compliance with the Fair Credit Reporting Act, is a clear violation of a consumer 's rights under the Federal Law. The Credit Bureaus have been claiming that the Disputed accounts and information are verified and yet they have not sent me copies of proof of their verification. I wish to avoid as much trouble for me and the Credit Bureaus. If it not that too much to ask, please have the following items corrected and fixed from my Credit File : DEPTEDXXXX XXXX Balance Owed : {$1400.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$4200.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$10000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$88.00} ; DEPTEDXXXX XXXX Balance Owed : {$3100.00} ; DEPTEDXXXX XXXX Balance Owed : {$1300.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$3000.00} ; DEPTEDXXXX  XXXX Balance Owed : {$10000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$3000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$4700.00} ; XXXX XXXX Balance Owed : {$0.00}. If the Credit Bureaus are not able to find me any documents to support their claims that the disputed accounts have been verified, I would greatly appreciate it you correcting the disputed accounts as soon as possible.

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