vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX Balance : {$29.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: PA

Complaint narrative:
XXXX data breech victim and fighting to have negative items removed. Please hold experian, XXXX and transunion responsible to remove fraud information. The below accounts must be removed by all agencies. 
XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 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: PA

Complaint narrative:
XXXX data breech victim and fighting to have negative items removed. Please hold experian, XXXX and XXXX responsible to remove fraud information. The below accounts must be removed by all agencies. 
XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 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: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
XXXX data breech frad victim and agencies and companies illegally reporting negative information Negative information from fraud needs to be removed : Never late, fraud XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Condition : Paid ID fraud USAA SAVINGS BANK XXXX XXXX XXXX Account XXXX : XXXX XXXX Condition : Derogatory Derogatory Balance : {$3700.00} {$3700.00} Type : Credit Card Pay Status : Collection/Chargeoff Collection/Chargeoff unkown USAA SB XXXX XXXX XXXX Account # : XXXX Condition : Derogatory Balance : {$2100.00} Type : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX 
Account # : XXXX High Balance : XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : XXXX Condition : XX/XX/XXXX Responsibility : Individual

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: MT

Complaint narrative:
Transunion needs to remove XXXX XXXX as a collection. This was paid in full. please see doc. attached. Account XXXX XXXX XXXX  transuinon. I have already disputed this.

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 2022-09-22 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: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 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: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1300.00} ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: FL

Complaint narrative:
This is XXXX XXXX submitting this CFPB Complaint to request to the Credit Bureaus remove the remaining fraudulent accounts that are still reporting on my Credit file. I greatly appreciate the Credit Bureaus immediate action to have some of the disputed accounts immediately removed from my Credit File but there are still accounts that should also be removed from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to immediately remove any accounts and information that resulted due to identity theft. Also, if the Credit Bureaus would claim that the disputed items belong to me, I need the Credit Bureaus to send me copies of proof of verification and or any documents bearing my signature to support the Credit Bureaus claims. Once again, I am looking forward for the immediate removal of the following accounts that are still reporting on my Credit File : XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/201XXXX XXXX XXXXXXXX Balance : {$120.00} Date Opened : XX/XX/20XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$250.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: TX

Complaint narrative:
On XX/XX/XXXX i sent off an investigation to the credit bureaus to check every piece of information on my account. I told them to investigate everything on my credit report & make sure everything was 100 % accurate, however they didn't do an improper investigation according to 15 USC 1681 603 ( 3 ) ( E ) On XX/XX/XXXX I also told them how did you investigate if everything wasn't 100 % accurate, its still not 100 % accurate this is still incorrect XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I sent off certified letter with a final request that they remove these accounts because they still aren't correct. They have violated many of my rights according to the law. THIS is my tracking # XXXX Tracking # XXXX Tracking # XXXX 15 USC 1681 603 ( 3 ) ( E ) states The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times The credit bureaus violated my given rights under 15 USC 1681 According to 15 U.S.C. 1681 section 602 A. states I have the right to privacy According to 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 According to : 15 U.S.C. 1681 s-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 2022-09-22 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: AZ

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn out of sending dispute letters to Transunion requesting that they DELETE these mistaken accounts being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/XXXX and to notify them that I am halfway to taking lawful action and litigating Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to remove the accounts on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The accounts that should be deleted are as follow : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX XX/XX/XXXX Asset Amount : {$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 non-monetary relief
Consumer complaint received 2022-09-22 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: MT

Complaint narrative:
This account was settled, no longer in collections and I have disputed this with Trans Union. I also have a doc. showing this. account number 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 explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ( XXXX XXXX XXXX ) for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( XXXX XXXX XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( XXXX XXXX XXXX ), continues its collection efforts, I will file for litigation for actual damages caused and ( XXXX XXXX XXXX, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2022-09-22 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: OneMain Finance Corporation
State: NY

Complaint narrative:
I sent a cease & desist letter to One Main Financial on XX/XX/21 because I never gave them expressed written consent to contact me ( violation of 15 usc 1681 ( a ) ( 2 ) ) after receiving several letter via postal mail and email. The postal letters stopped but the harassing and threatening emails continued ( violation of the FDCPA ( 15 usc 1692 ( A ) ( D ) ( E ) ). No consent is fraud. I also demanded to rescind the entire transaction and was told no because it had to be done in the first 72 hours. Well pursuant to 15 usc 1635 the creditor is required to provide appropriate rescission forms for me ( the obligor ) to exercise my right to rescind. This was never mentioned to me nor was I provided any rescission forms. So the 3 business rule day is not applicable here. This is fraud and there is no statue of limitations on fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX acc num XXXX shows transferred to another lender that is not true, the acount number is not any account i recall signing up for. 
on XX/XX/18 XXXX, XX/XX/18, XX/XX/18, XX/XX/18 are marked late. 

In accordance with the fair credit Reporting act fifth third bank has violated my rights. 15 USC 1681 Section 602 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 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 2022-09-22 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX acc num XXXX shows transferred to another lender that is not true, the acount number is not any account i recall signing up for. 
on XX/XX/18 XXXX, XX/XX/18, XX/XX/18, XX/XX/18 are marked late. 

In accordance with the fair credit Reporting act fifth third bank has violated my rights. 15 USC 1681 Section 602 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX acc num XXXX shows transferred to another lender that is not true, the acount number is not any account i recall signing up for. 
on XX/XX/18 XXXX, XX/XX/18, XX/XX/18, XX/XX/18 are marked late. 

In accordance with the fair credit Reporting act fifth third bank has violated my rights. 15 USC 1681 Section 602 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 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 explanation
Consumer complaint received 2022-09-22 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: FL

Complaint narrative:
This is XXXX XXXX submitting this CFPB Complaint to request to the Credit Bureaus remove the remaining fraudulent accounts that are still reporting on my Credit file. I greatly appreciate the Credit Bureaus immediate action to have some of the disputed accounts immediately removed from my Credit File but there are still accounts that should also be removed from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to immediately remove any accounts and information that resulted due to identity theft. Also, if the Credit Bureaus would claim that the disputed items belong to me, I need the Credit Bureaus to send me copies of proof of verification and or any documents bearing my signature to support the Credit Bureaus claims. Once again, I am looking forward for the immediate removal of the following accounts that are still reporting on my Credit File : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2016 XXXX XXXX Balance : {$120.00} Date Opened : XX/XX/201XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$60.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00}

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