vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting 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 would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX U S DEPT OF ED/XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$7500.00} U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance : {$4100.00} U S DEPT OF EDXXXX ( Original creditor : XXXX  XXXX XXXX XXXX Balance XXXX {$10000.00} U S DEPT OF ED/XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance XXXX {$4200.00} XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXXL Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX dispute result in collector SOUTHWEST CREDIT SYSTEM is wrongfully updated and labeled " Completed Investigation, meet Fair Credit Reporting Act '' the result is an update account who has been verified before and now has been asked to VALIDATE and provide all information and documents they have with all the information I requested in the XXXX Dispute establishing a Formal Statement of Creditor/Debt Collector Declaration and I declared for FCRA 15 U.S. C ss 1681i to delete all information not provided by mail to me to the address I provided. I bound them to disclose all info regardless if they are a third party stating Federal Trade Commission as my defense that violates commission paroted information parroted given to you by other sources and shifted to me which is a violation of Statute 1681 ( a ) ( 4 ) to make original collector have liability and the Dept Collector have to provide and respond to me regardless of them being faithful and can continue to ignore and damage my credibility since they do not respond to me and they are only required to respond to the Original Collector. I raised statute of Limitation as my defense and I have the right to demand ALL INFORMATION OF ALLEGED ACCOUNT. PROMPTLY DELETED IF INFORMATION IS NOT VALID OR IF IS NOT PROVIDED. WHITIN 30 DAY DISPUTE PERIOD. I/ did establish in a Formal Statement in my dispute that | required an assigned experian member to show all dates and what document the XXXX Collector Provided. I demanded to be sent copied to the same address I provided in my Report to be sent back to me for me to review and validate before they would determine the result of my VALIDATION. They only provided a vage with missing items carelessly displaying how easy they verify nothing and still harm me. I received a report from XXXX only on XX/XX/year> Formally Disputed on XX/XX/year>. Currently the only thing XXXX did accomplish was providing me the result prior to the XX/XX/year> deadline ON TIME but failed to Validate or truly investigate the accounts under dispute. They never even allowed me to verify such information myself before updating my report. I am being harmed wrongfully and I need Consumer Finance Credit Bureau to please help me remove all negative accounts that do NOT belong to me and have been sold or withholding the information and without validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite submitting thorough documentation and following the prescribed procedures, it is very concerning that the problem remains unresolved. This ongoing issue not only causes me significant inconvenience but also undermines my confidence in your organization 's ability to manage such matters effectively and competently. It is unacceptable that, despite multiple attempts, the late open account issue remains unaddressed, calling into question the reliability and accuracy of your record-keeping processes. I urge you to prioritize this matter with the highest urgency and take immediate action to correct the late open account entry on my record. Additionally, I expect to be kept informed of the progress in resolving this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. Therefore, I am requesting your assistance to correct this account in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to provide an update on my ongoing efforts to correct late open account and remove charge off entries from my credit report. 
Despite numerous attempts, these inaccuracies persist, and I am seeking further assistance to resolve this matter. I have diligently pursued the correction of late open account and the removal of charge off entries on my credit report. I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address these issues. However, to my disappointment, the inaccuracies remain on my credit report, negatively impacting my creditworthiness and financial standing. This persistent issue has caused significant stress and hardship. It is imperative that these inaccuracies are promptly addressed to ensure the fair and accurate reporting of my credit history. Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. With this, I am asking for your assistance to correct or remove the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, XXXX transactions from an ATM of {$200.00} each for a total of {$600.00}, was taken from my account all the way from South Carolina. Im from and currently in XXXX York. I didnt get any notifications somehow, didnt see it until XX/XX/XXXX. Called immediately to dispute the charges but was denied the next day because ( this is what I was told exactly ) Our research shows this transaction occurred with a chip card at a chip enabled terminal. 

I will be calling again to dispute the decision

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Despite submitting extensive evidence and meticulously following the required procedures, it is highly troubling that this issue remains unresolved. The existence of these fraudulent items not only damages my reputation but also jeopardizes my financial stability and credibility. Despite my ongoing efforts to resolve this matter, it is disheartening to face continual obstacles and delays in reaching a satisfactory conclusion. I urge you to treat this issue with the highest priority and take immediate action to remove the fraudulent items from my record. Additionally, I expect to be kept informed of the progress in addressing this matter and seek appropriate compensation for any damages or losses incurred due to this persistent error. Therefore, I am requesting your assistance to remove these fraudulent items from my credit file : : Experian : XXXX XXXX XXXX XXXX XXXX XXXX NOLINA PL XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$13000.00} XXXX XXXX XXXX Balance XXXX : {$23000.00} XXXX XXXX  XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance XXXX : {$42000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX  XXXX Balance Owed : {$4600.00} -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$17000.00} XXXX XXXX ( Original Creditor XXXX XXXX  ) XXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$620.00} XXXX XX/XX/year> -- -- XXXX -- XXXX : XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} FST XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$17000.00} XXXX XXXX XXXX Balance Owed XXXX {$42000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$440.00} XXXX XXXXXXXX Balance Owed : {$620.00} XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXX Balance Owed : {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.

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 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.

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 2024-05-29 00:00:00
Product: Credit reporting 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance Owed : {$10000.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2024-05-29 00:00:00
Product: Credit reporting 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXXXXXX XXXX  XXXX XX/XX/XXXX CB INDIGO XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite submitting extensive evidence and meticulously following the required procedures, it is highly troubling that this issue remains unresolved. The existence of these fraudulent items not only damages my reputation but also jeopardizes my financial stability and credibility. Despite my ongoing efforts to resolve this matter, it is disheartening to face continual obstacles and delays in reaching a satisfactory conclusion. I urge you to treat this issue with the highest priority and take immediate action to remove the fraudulent items from my record. Additionally, I expect to be kept informed of the progress in addressing this matter and seek appropriate compensation for any damages or losses incurred due to this persistent error. Therefore, I am requesting your assistance to remove these fraudulent items from my credit file : : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$13000.00} XXXX XXXX XXXX Balance XXXX : {$23000.00} XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance XXXX : {$42000.00} XXXX XXXX Balance Owed : {$17000.00XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} -- -- -- -- Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$17000.00} XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance Owed : {$440.00} XXXX  XXXX Balance Owed : {$620.00} XXXX  XX/XX/year> -- -- XXXX -- XXXX : XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00XXXX XXXX XXXXXXXX XXXX Balance Owed : {$970.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX  XXXX Balance Owed XXXX {$17000.00} XXXX XXXX XXXX Balance Owed XXXX {$42000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XXXX Balance Owed : {$1100.00}

Company response to consumer: Closed with explanation