vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-19 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:
To Whom It May Concern, I am writing to make you aware that I have been a victim of identity theft and am not responsible for the following accounts ; XXXX XXXX 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 I am demanding deletion of these items from my credit report. I have already reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Police Report and Federal Trade Commissions Identity Theft Affidavit for this case. 
Section 605B states that if A account is the result of identity theft, then it must be removed from my credit report. 


THIS REQUEST HAS NOT BEEN MADE IN ERROR I DID NOT OBTAIN POSSESSION OF GOODS I DID NOT RECEIVE SERVICE OR MONEY AS A RESULT OF ANY TRANSACTION ISSUE. 
THIS IS ME ( XXXX XXXX XXXX ) SENDING IN THIS REQUEST DO NOT SEND ME A STALL LETTER ABOUT ANY THIRD PARTY OR CREDIT REPAIR COMPANY I HAVE INCLUDED MY IDENTIFICATION

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 2022-10-19 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:
The company use my information without letting me know

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The company use my information without letting me know

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 2022-10-19 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: FL

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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, DEPT OF ED/ XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX : # XXXX, has violated my rights.

1013 5560 765 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 2022-10-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2022, a new hard inquiry was added to my credit report from Citi Bank. I did not try to open any new accounts with Citi Bank. I called them directly, and when searching my social security number, they have no record of me or my social linked to any open account or active application. As of XX/XX/XXXX, there are still no active accounts with my information.

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 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I applied for a credit loan XX/XX/22 for a furniture store through Wells Fargo and it shows as a hard inquiry which is understandable. My concern is Wells Fargo has sent me a terms and condition attachment with no other information if I got approved or not. I contacted Wells Fargo on many different phone # s provided and they are not able to locate any information in their systems with my SSN #, full name and phone number. I explained to them that I show on my credit report that a hard inquiry is on there from them so someone should have that kind of information to run my credit. They advised me to contact the credit bureau to submit a complaint and now here I am

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 2022-10-19 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: MI

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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, The XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX 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 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 2022-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
Aggressive agency continues to call a phone number that is registered to my XXXX XXXX XXXX mother asking for me. I have no idea who these people are the gentlemen that keeps calling is very rude, loud and has attempted to intimidate me and my mother with loud talk and aggressive voice tone, leaving messages after I have told them I don't know who they are I dont owe anyone any money and cease calling and to take my moms number out of your phone they have refused to do so, calling from multiple numbers from various area codes, the recent call was today XX/XX/22, where by this person once again left a message attempting to intimidate a XXXX XXXX XXXX again this is her phone, not mine and I don't owe any money to anyone when asking this person to show proof I owe any money the person attempted to trick me into saying its my debt when in fact it is not. I dont know these people I signed nothing with them or there client whoever that may be and I am being harassed and so is my mother by these people calling a phone that belongs to her top calling trying to collect on debt that doesn't belong to me I checked my credit today these people placed this on my credit report saying its XXXX XXXX XXXX XXXX I dont have any credit accounts with XXXX XXXX XXXX XXXX there is no wet signature with said company and XXXX XXXX XXXX XXXX XXXX. cease and decease, remove the erroneous reporting and or show proof its my debt I didn't sign anything for credit with XXXX XXXX XXXX XXXX or this agency

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 2022-10-19 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: FL

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 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 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 XXXXc # XXXX These accounts have 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 7 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 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In accordance with the fare credit bureau act this creditors SYNCB/Belk/Dual XXXX XXXX XXXX has violated my rights, under 15UCSC 1582 section 602 stating I my rights to privacy, 1581a section 1604a section 2 a states that a consumer reporting agency can not furnish an account with out my writing instructions, 15USC 1666b states a creditor my not treat a payment on a credit account card under an open and consumer credit plan as late for any purpose. I want it to be removed and bill canceled.

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 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, I filled a dispute with Chime XXXX XXXXXXXX XXXX  ) against XXXX. It's been 4 days since I filed the dispute, and I still have not gotten an update. They claim they are still investigating but I actually found out that they never reached out to the merchant in the first place, prolonging the process. I can't get them to reach out to the merchant and I don't know why they refuse to do so. They should have contacted the merchant on the same day that I filed. The issue is urgent. I was scammed. I need my money back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: OK

Complaint narrative:
This should go to transunion, XXXX XXXX, and all third party credit reporting agencys.! 5u.s code consumer laws and protection. These agencys failed to protect me by a couple of ways, the first receiving my info from a creditor and posting it at face value without an investigation isnt protecting me. And selling my info without my consent to third party persons and they reporting it to there list of buyers without my consent is a federal violation of my rights and my protection 15u.s code 6802 and these violations is on every account held by Transunion, XXXX, XXXX they hae a responsibility to protect our info but it must be done by the law and allowing these violations to continue is causing & costing me thousands of dollar every year. Here are two examples XXXXXXXX XXXX card And XXXX card both know the statue has ran out, XXXX told me straight out they would never remove my account i found that to be threatening and harassment XXXX is doing under cover, just these to alone would change my situation in a poisitive way they have failed to protect my privacy and rights but the three havent removed it, i talked to XXXX today been given the run arrounds. XXXXXXXX XXXX  ACCT # XXXX XXXXXXXX XXXX  ACCT # XXXX and when i contacted XXXX they showed no concern about what they are doing purposely destroying my life.Theres a {$2500.00} fine but no less then {$1000.00} for each violation to be paid to the consumer upon there requesting it as i am now and will send a invoice Not one of my account was reported properly and has gone undetected for years. name all three in this report because they all will receive the same msg one more thing old address that companys are sending are still reporting on as if they were mine and i live there some of the address on my report i dont remember having. I have lived at this address for almost 12yrs and it should be the only one remaining.

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 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have tried fixing this issue with all three bureaus on this account because account status reports as close with a balance of {$2200.00}. they last reported along with date last active has been re-aged.Payment history is reporting data by XXXX and Equifax yet missing data on date of last payment. I have not received any documents stating that this account has started its investigation yet account has been updated pushing back the date it should fall off this is not acceptable. this account is reported as closed with a balance yet account is still reporting payments on the payment history not possible. I previously wrote to Bureaus asking to verify or delete immediately because account is reporting incorrectly. Theres no way that account can be closed and yet reporting payments on a dead account account is a total mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FactorTrust, Inc.
State: TX

Complaint narrative:
Factor Trust XX/XX/2019 XX/XX/2019 XXXX know what this is I had a credit fraud reported in XXXX  requesting to be removed because this was not me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This complaint is in reference to information on my credit report. First of all my personal information is incorrect. My name is XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX Apt XXXX XXXX, GA XXXX. Please delete the name " XXXX XXXX XXXX '' and the addresses " XXXX XXXX XXXX XXXX, OH, XXXX '' and " XXXX XXXX XXXX XXXX, OH XXXX '' in order to prevent identity theft and further damage to my credit report and financial reputation as this is adverse action. Also. I have never been late on the XXXX XXXX account ( # XXXX ) Please update this account to paid as agreed. The account XXXX XXXX is a charged off account. The company filed a XXXX cancelation of debt with the IRS which means the account is gross income and not debt. INCOME IS NOT INCLUDED ON MY CREDIT REPORT. The account XXXX XXXX XXXX ( # XXXX ) is inaccurate. I was never late on this account. Please update to paid as agreed. The account XXXX XXXX XXXX ( # XXXX ) was included in a bankruptcy that I filed. It should not be present on my credit report. Please delete this account from my consumer report immediately. The account DEPT OF EDXXXX ( # XXXX ) is incorrect. There are many missing reporting dates in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. This is not up to date with XXXX XXXX standards for accurate reporting. I was never late with this account in XXXX, XXXX, XXXX, and XXXX of XXXX. Please update this account to paid as agreed. Lastly, the inquiries Resident Verify, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are fraudulent inquiries and need to be removed immediately. I am aware that my consumer report must be accurate and your failure to properly report my information is a criminal offense. It is extortion to know that there is no money in circulation due to the Emergency Banking Act and 18 USC 8 that states all debts are obligations of the United States and still report these accounts to my credit report. Thank you for your attention to this matter.

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 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint is in reference to information on my credit report. First of all my personal information is incorrect. My name is XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX Apt XXXX XXXX, GA XXXX. Please delete the name " XXXX XXXX XXXX '' and the addresses " XXXX XXXX XXXX XXXX, OH, XXXX '' and " XXXX XXXX XXXX XXXX, OH XXXX '' in order to prevent identity theft and further damage to my credit report and financial reputation as this is adverse action. Also. I have never been late on the XXXX  XXXX account ( # XXXX ) Please update this account to paid as agreed. The account XXXX XXXX is a charged off account. The company filed a XXXX cancelation of debt with the IRS which means the account is gross income and not debt. INCOME IS NOT INCLUDED ON MY CREDIT REPORT. The account XXXX XXXX XXXX ( # XXXX ) is inaccurate. I was never late on this account. Please update to paid as agreed. The account XXXX XXXX XXXX ( # XXXX ) was included in a bankruptcy that I filed. It should not be present on my credit report. Please delete this account from my consumer report immediately. The account DEPT OF ED/XXXX  ( # XXXX ) is incorrect. There are many missing reporting dates in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. This is not up to date with XXXX XXXX standards for accurate reporting. I was never late with this account in XXXX, XXXX, XXXX, and XXXX of XXXX. Please update this account to paid as agreed. Lastly, the inquiries Resident Verify, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  are fraudulent inquiries and need to be removed immediately. I am aware that my consumer report must be accurate and your failure to properly report my information is a criminal offense. It is extortion to know that there is no money in circulation due to the Emergency Banking Act and 18 USC 8 that states all debts are obligations of the United States and still report these accounts to my credit report. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: AL

Complaint narrative:
In accordance with the Fair credit reporting act USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of this accounts Account Name Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 15 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 a reasonable cause to believe 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