vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 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: NC

Complaint narrative:
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. When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX**** Date Opened : XX/XX/2019 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06 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: MS

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
The following credit inquiries currently listed on my XXXX credit report are fraudulent and unauthorized : SYNCB/AMAZON XXXX XXXX Date of Inquiry : XX/XX/XXXX and XXXX, Date of Inquiry : XX/XX/XXXX. I did not apply for credit or authorize Synchrony Bank or XXXX to pull my XXXX credit report.

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 2022-09-06 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: TN

Complaint narrative:
I sent my letter off on XX/XX/2022. I told the Credit Bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out and here is the tracking number # XXXX. 

According to the FRCA 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 whom may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Account : XXXXXXXX XXXX Number : XXXX Account : XXXXXXXX XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX  Number : XXXX Account : XXXX XXXX XXXX  Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : AcceptanceNow Number : XXXX Account XXXX XXXX Number : XXXX Account : XXXX  Number : XXXX Account : XXXX  Number : XXXX Account XXXX XXXX XXXXXXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account XXXX XXXX XXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account XXXX XXXX XXXX XXXXber : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : XXXX XXXX  Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account XXXX XXXX  Number : XXXX Account : XXXX  Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXXXXXX XXXX  Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX Number : 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 2022-09-06 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: AZ

Complaint narrative:
I XXXX XXXX have not given written, verbal instruction or permission to XXXX XXXX XXXX XXXX to report to any Credit Reporting Agencies. 

I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an account balance sheet. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation 15 U.S.C. 1681 Section 602a, states I have a right to privacy. 
15 U.S.C. 1681 Section 604a, section 2, Also states that a consumer reporting agency can not furnish an account without written instruction from myself. 

The account statement that was provided to XXXX, Transunion and XXXX to validate the account can not be considered as sufficient verification of a debt. Please read the case below : In the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ) Instead, XXXX obtained a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). 


The balance sheet in no way provides sufficient verification of the debt. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. 
- This account is also a fraudulent and have file an Identity Theft Report with the Federal Trade Commission Report # XXXX Please remove this account from my report, it is against federal law to report unvalidated information. Thank You

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 2022-09-06 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: AZ

Complaint narrative:
I XXXX XXXX have not given written, verbal instruction or permission to XXXX XXXX XXXX XXXX to report to any Credit Reporting Agencies. 

I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an account balance sheet. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation 15 U.S.C. 1681 Section 602a, states I have a right to privacy. 
15 U.S.C. 1681 Section 604a, section 2, Also states that a consumer reporting agency can not furnish an account without written instruction from myself. 

The account statement that was provided to XXXX, XXXX and Equifax to validate the account can not be considered as sufficient verification of a debt. Please read the case below : In the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ) Instead, XXXX obtained a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). 


The balance sheet in no way provides sufficient verification of the debt. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. 
- This account is also a fraudulent and have file an Identity Theft Report with the Federal Trade Commission Report # XXXX Please remove this account from my report, it is against federal law to report unvalidated information. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: AZ

Complaint narrative:
I XXXX XXXX have not given written, verbal instruction or permission to XXXX XXXX XXXX XXXX to report to any Credit Reporting Agencies. 

I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an account balance sheet. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation 15 U.S.C. 1681 Section 602a, states I have a right to privacy. 
15 U.S.C. 1681 Section 604a, section 2, Also states that a consumer reporting agency can not furnish an account without written instruction from myself. 

The account statement that was provided to Experian, XXXX and XXXX to validate the account can not be considered as sufficient verification of a debt. Please read the case below : In the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ) Instead, XXXX obtained a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). 


The balance sheet in no way provides sufficient verification of the debt. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. 
- This account is also a fraudulent and have file an Identity Theft Report with the Federal Trade Commission Report # XXXX Please remove this account from my report, it is against federal law to report unvalidated information. Thank You

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 2022-09-06 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: MS

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-09-06 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: MS

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
The following credit inquiries currently listed on my XXXX credit report are fraudulent and unauthorized : XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX and CBNA, Date of Inquiry : XX/XX/XXXX. I did not apply for credit or authorize XXXXXXXX XXXX or CBNA to pull my XXXX credit report.

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 2022-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Universal Account Servicing, LLC
State: CA

Complaint narrative:
Company Name : Universal Account Servicing Dear Sir/ Madam Re : ( account number XXXX. ) On XX/XX/XXXX, I got 2 years interest free loan ( principal amount : {$3400.00} ) from laser away through this company " XXXX. Unfortunately, your service has not performed well. 
I have an issue with the payment services. I had auto payment setup. Unfortunately, I lost my credit card, and had to change the credit number. As soon as I received the new credit card, I called in and gave my new card number to be used for auto-payment ; however, it seems that operator did not complete the transfer, and the old credit card number was used for the payment which was rejected. 
Although I have called on time before my next due date payment and gave my credit card number to be used ( they have my new credit cart # on record ), I have been told that I am still responsible for the delay which does not make sense. 
I am so disappointed because the service was not performed correctly ; I was billed the wrong amount ; something was misrepresented. i did not do anything wrong here. i paid my monthly amount on-time and did not miss any payment. it was the company 's fault that did not used my new credit card number for autopayment. i should not be punished for that. I already paid back my loan and i do not want to pay any interest. 
To resolve the problem, I would appreciate your help. I already paid back my loan and i do not want to pay any interest. 
Payment Details Total Principal Paid {$2700.00} + Interest Paid {$440.00} Total Payments w/o Fees {$3200.00} I look forward to your reply and a resolution to my problem and will wait until XXXX XX/XX/XXXX before seeking help from a consumer protection agency or the XXXX XXXX XXXX XXXX Please contact me at the above address or by phone at ( XXXX ) or at ( XXXX Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: TN

Complaint narrative:
I sent my letter off on XX/XX/2022. I told the Credit Bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out and here is the tracking number # XXXX. 

According to the FRCA 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 whom may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Account : XXXX XXXX  XXXX Number : XXXX Account XXXX XXXX XXXX XXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : XXXXl XXXX Number : XXXX Account : XXXX XXXX  Number : XXXX Account : XXXX XXXX  Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX  Number : XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX Number : XXXX Account XXXX XXXX XXXX Number : XXXX Account XXXX XXXX XXXX XXXX : XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX Number XXXX XXXX Account XXXX XXXX XXXX Number : XXXX Account XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX Number XXXX XXXX Account XXXX XXXX  Number : XXXX Account XXXX XXXX XXXX XXXX XXXXumber : XXXX Account : XXXX XXXX XXXX  Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXXXXXX XXXX XXXXXXXX Number : XXXX Account XXXX XXXX XXXX XXXX XXXX  Number XXXX XXXX Account : XXXX XXXX Number XXXX XXXX Account : XXXX XXXX XXXX Number XXXX XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX  Number : 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 2022-09-06 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: GA

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 XXXXXXXX XXXX XXXX ( Account # XXXX ), has violated my rights XXXX XXXX XXXX  ( Account # XXXX ), has violated my rights XXXX XXXX XXXX Account # XXXX ), has violated my rights XXXX XXXX XXXX  Account # XXXX ), has violated my rights XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX ), has violated my rights XXXX XXXXXXXX XXXX XXXX Account # XXXX ), has violated my rights XXXX XXXX XXXX  Account # XXXX ), has violated my rights XXXX XXXXXXXX ( Account # XXXX ), has violated my rights US BKPT CT GA XXXX, Bankruptcy XXXX XXXX, has violated my rights US BKPT CT GA XXXX, Bankruptcy 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 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 2022-09-06 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:
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 168XXXX. 

XXXX XXXX XXXX XXXX  ( Account # XXXX ), has violated my rights XXXX XXXX XXXX ( Account # XXXX ), has violated my rights XXXX XXXX XXXX Account # XXXX ), has violated my rights XXXX XXXX XXXX Account # XXXX ), has violated my rights XXXXXXXX XXXX XXXX XXXX Account # XXXX ), has violated my rights XXXX XXXXXXXX XXXX XXXX  Account # XXXX ), has violated my rights XXXX XXXX XXXX Account # XXXX ), has violated my rights XXXX XXXX ( Account # XXXX ), has violated my rights US BKPT CT GA XXXX, Bankruptcy XXXX XXXX XXXXs violated my rights US BKPT CT GA XXXX, Bankruptcy 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 2022-09-06 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: NJ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation