vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 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: LA

Complaint narrative:
I have submitted several letters to BOTH credit bureaus- XXXX XXXX XXXX disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''account status '', ''dispute status '' and ''date of last activity ''. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH CREDIT BUREAUS. This account is also in VIOLATION of XXXX XXXX Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION SUCH AS : XXXX Verified '', ''CLOSED DATE '', and MANY OTHERS. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account in the comment section. 

BOTH credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against BOTH credit bureaus and ( XXXX  ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2022-08-05 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: CA

Complaint narrative:
Equifax didnt exercise their role /responsibilities. 

Did not respect my privacy. 

Never had permissible consent. 
Unfair 1681 a. # 3 # 4 b. # 2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: LA

Complaint narrative:
I have submitted several letters to BOTH credit bureausXXXX XXXX XXXX TransUnion disputing this Account with ( XXXX  ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''account status '', ''dispute status '' and ''date of last activity ''. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH CREDIT BUREAUS. This account is also in VIOLATION of XXXX XXXX Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION SUCH AS : ''Last Verified '', ''CLOSED DATE '', and MANY OTHERS. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account in the comment section. 

BOTH credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against BOTH credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2022-08-05 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: LA

Complaint narrative:
I have submitted several letters to BOTH credit bureaus- Equifax XXXX XXXX disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''account status '', ''dispute status '' and ''date of last activity ''. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH CREDIT BUREAUS. This account is also in VIOLATION of XXXX XXXX Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION SUCH AS : ''Last Verified '', ''CLOSED DATE '', and MANY OTHERS. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account in the comment section. 

BOTH credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against BOTH credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: CA

Complaint narrative:
It has been a battle going through this and I am submitting this commplaint to delete the following fraudulent information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Under the provisions of the FCRA section 605b, I need the following items removed as soon as possible ; XXXX XXXX XXXX XXXX CT XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX THE XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date opened XX/XX/2018 -late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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:
I have been disputing for the correction and update of the payment history of the disputed account on my Credit File. However, I noticed that despite all my efforts to contact the Credit Bureaus, they have also kept ignoring my letters as well as complaints.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 XXXXXXXX XXXX XXXX XXXX XXXX Balance {$9600.00} Date opened May 01, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$4300.00} Date opened XX/XX/2018 2018

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 2022-08-05 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: CA

Complaint narrative:
I have been a victim of Identity theft and the inquiries reported on my Credit Report were the result of such crime. I have been disputing for the removal of the unauthorized inquiries and yet the Credir Bureaus became ignorant of the letters I have been seding. I have read that under the FCRA sectrion 605b, The Credit reporting agencies are required to remove any account and information that resulted due to identity theft. I need the folloeing disputed unauthorized inquiried to be removed from my Credit report as soon as possible : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX. XXXX Inquired XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : 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 an account without my written instructions.

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 2022-08-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX ) Account name : XXXX XXXX XXXX Account number : XXXX ( didn't remember this number ) Account type : Credit card Date opened : XX/XX/XXXX Status : Paid, Closed. {$1.00}, XXXX written off. 
XXXX updated : XX/XX/XXXX Has violated my rights. 
It keeps saying : Potentially negative. Erase this from my credit Report. 

XXXX ) Account name : XXXX XXXXXXXX Account number : XXXX Account type : Credit card Date opened : XX/XX/XXXX Status : Open. 
Status updated : XX/XX/XXXX Balance : {$940.00} Balance updated : XX/XX/XXXX Recent payment : $ 0 Monthly payment : {$25.00} Credit limit : {$1800.00} Has violated my rights. 
It keeps saying : Potentially negative. Erase this frase from my credit Report. 

XXXX ) Account name : XXXX XXXX XXXX Account number : XXXX Account type : Auto Loan Date opened : XX/XX/XXXX Status : Open. 
Status updated : XXXX XXXX Balance : {$1400.00} Balance updated : XX/XX/XXXX Recent payment : $ 374 Monthly payment : {$370.00} Original balance : {$12000.00} Highest balance : {$0.00} Terms : 54 Months Has violated my rights. 
It keeps saying : Potentially negative. Erase this frase from my credit Report. 

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 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 2022-08-05 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:
I have been disputing for the correction and update of the payment history of the disputed account on my Credit File. However, I noticed that despite all my efforts to contact the Credit Bureaus, they have also kept ignoring my letters as well as complaints.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 XXXXXXXX XXXX XXXX  XXXX XXXX Balance {$9600.00} Date opened May 01, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$4300.00} Date opened XX/XX/2018 2018

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 2022-08-05 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:
I have been disputing for the correction and update of the payment history of the disputed account on my Credit File. However, I noticed that despite all my efforts to contact the Credit Bureaus, they have also kept ignoring my letters as well as complaints.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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$9600.00} Date opened XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX Balance {$4300.00} Date opened XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: CA

Complaint narrative:
It has been a battle going through this and I am submitting this commplaint to delete the following fraudulent information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Under the provisions of the FCRA section 605b, I need the following items removed as soon as possible ; XXXX XXXX XXXX XXXX CT XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/2018 -late

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 2022-08-05 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:
I have disputed the XXXX XXXX Account several times stating that the account is reporting inaccurate information. Each time, TransUnion has responded as account information verified. When the collection account was placed on my credit report, the information was inaccurate and never correct. The wrong balance was always reported wrong but TransUnion refused to remove the account as well as never attempted to correct the information. This is a direct violation of my rights.

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 2022-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
My credit score started dropping at rapid speed on my XXXX XXXX account. When I started to try to find out why, I started to look around and explore more on my XXXX XXXX  app off my phone. Eventually I came acrossed a account for Kohl 's department store that said I had gotten a Kohl 's XXXX account, with a {$300.00} limit. After finding this and stressing and questioning the whole situation for a day. I decided to get back on XXXX XXXX and see what els I could possibly find out and/or what my options were to be able to correct the situation. That's when too my surprise, I seen that the {$300.00} credit limit had been spent! Now I am getting a bill in the mail from a collection agency for {$610.00} and my credit score went from a 600-700 's all the way down too the 400 's. And iv only been to Kohl 's one time in my whole life and that was over 13 years ago and I had ended up getting a XXXX XXXX and put on XXXX  for 2 years and I haven't ever shopped there again or stepped foot in their parking lot, I have not so much as ever even went to their website since then! I need help i don't know what to do or how to go about dealing with this legally or correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
M & T Bank holds our mortgage and escrow account. They have delayed in paying our XXXX taxes so long that we have received a Tax Lien notice on our property. 

This is the 2nd year in a row that they have delayed in paying our taxes. The XXXX taxes were not paid until XX/XX/XXXX, and only paid after repeated phone calls from us to M & T Bank. 

I have phoned M & T Bank 3 times since XX/XX/XXXX to report late tax notices regarding the XXXX taxes. I have received no action on their part to correct the issue or payment. 

Due Date for XXXX taxes was XX/XX/XXXX for the amount of {$2500.00}. They remain unpaid today, XX/XX/XXXX, and have increased with penalties and interest to {$3500.00}.

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 monetary relief
Consumer complaint received 2022-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I, XXXX XXXX XXXX received FIFTH THIRD BANK adverse letter dated for XX/XX/2022. It stated I was denied due to the inaccurate information received from the consumer reporting agency/agencies : XXXX, XXXX and XXXX. 

Pursuant to 15 USC 1602 ( f ), The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. In regards to 15 USC 1602 ( f ), CREDIT IS MY RIGHT AS A CONSUMER!! 

On XX/XX/2022 I initiated a credit transaction with FIFTH THIRD BANK, where I applied & extended Credit by utilizing my Credit Card, as defined under 15 USC 1602 ( l ), The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, card number ending in XXXX Credit was extended to FIFTH THIRD BANK with my Credit Card, card number ending in XXXX, in return for me obtaining a mortgage loan or better defined as money under 15 USC 1602 ( l ) to purchase my future home with. Unfortunately, FIFTH THIRD BANK has violated my Consumer Right and failed to complete the credit transaction by not granting me the Right to defer payment as defined under 15 USC 1602 ( f ).

In result of this adverse action, FIFTH THIRD BANK has also committed a federal crime by violating 15 USC 1602 ( p ) -The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. FIFTH THIRD BANK in-fact utilized my Credit Card, card number ending in XXXX, on XX/XX/2022, and XXXX XXXX XXXX, the cardholder- received no benefits from FIFTH THIRD BANK unauthorized use of XXXX XXXX XXXX Credit Card on said date and credit transaction .

In conclusion, pursuant to 15 USC 1691a ( 3 ) - Activities constituting discrimination, ( 3 ) because the applicant has in good faith exercised any right under this chapter, FIFTH THIRD BANK shall not discriminate against me because I have in good faith exercised MY RIGHT to Credit as defined under 15 USC 1602 ( f ).

Company response to consumer: Closed with explanation