vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 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:
Subject : Disputed Item Verification Request - FCRA Law, 15 USC 1681i-5 I hope this message finds you well. I am writing in regard to a recently disputed item on my credit report that you have sent back as verified. 

XXXX XXXX XXXX Report Date : XX/XX/2023 I am seeking validation and further information regarding this item in accordance with my rights of privacy under the Fair Credit Reporting Act ( FCRA ) law, 15 USC 1681i-5. 

As you are aware, the FCRA grants consumers the right to request verification and validation of any information that appears on their credit reports. I exercise this right and kindly ask that you provide me with the following information regarding the disputed item : The complete and accurate name of the creditor reporting the item. 
The exact nature of the debt or account being reported. 
The dates of account opening and, if applicable, closure. 
Any documented evidence confirming that I am indeed responsible for the debt in question. 
A copy of any contracts or agreements I allegedly entered into with the creditor. 
Proof of your compliance with FCRA procedures during the investigation process of my dispute. 
I would like to remind you that, under the FCRA law, you are obligated to provide me with this information within 30 days of receiving my dispute. If you are unable to provide the requested validation within the stipulated timeframe, I expect that the disputed item will be promptly removed from my credit report. 

Please also be aware that I am closely monitoring my credit report and any further discrepancies or inaccuracies will be brought to your attention, as it is my right to have a fair and accurate representation of my credit history. 

I appreciate your prompt attention to this matter and request that all communication regarding this dispute be made in writing for documentation purposes. I expect your response within 30 days from the date of receipt of this letter, as per the FCRA guidelines. I appreciate your cooperation in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: CA

Complaint narrative:
Subject : Disputed Item Verification Request - FCRA Law, 15 USC 1681i-5 I hope this message finds you well. I am writing in regard to a recently disputed item on my credit report that you have sent back as verified. 

XXXX XXXX XXXX Report Date : XX/XX/2023 I am seeking validation and further information regarding this item in accordance with my rights of privacy under the Fair Credit Reporting Act ( FCRA ) law, 15 USC 1681i-5. 

As you are aware, the FCRA grants consumers the right to request verification and validation of any information that appears on their credit reports. I exercise this right and kindly ask that you provide me with the following information regarding the disputed item : The complete and accurate name of the creditor reporting the item. 
The exact nature of the debt or account being reported. 
The dates of account opening and, if applicable, closure. 
Any documented evidence confirming that I am indeed responsible for the debt in question. 
A copy of any contracts or agreements I allegedly entered into with the creditor. 
Proof of your compliance with FCRA procedures during the investigation process of my dispute. 
I would like to remind you that, under the FCRA law, you are obligated to provide me with this information within 30 days of receiving my dispute. If you are unable to provide the requested validation within the stipulated timeframe, I expect that the disputed item will be promptly removed from my credit report. 

Please also be aware that I am closely monitoring my credit report and any further discrepancies or inaccuracies will be brought to your attention, as it is my right to have a fair and accurate representation of my credit history. 

I appreciate your prompt attention to this matter and request that all communication regarding this dispute be made in writing for documentation purposes. I expect your response within 30 days from the date of receipt of this letter, as per the FCRA guidelines. I appreciate your cooperation in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: Checkr, Inc
State: LA

Complaint narrative:
It has come to my attention that CHECKR has used my property, ( hereinafter referred to as identifying information of XXXX ) for financial gain without my permission. 
CHECKR has provided a consumer report ( hereinafter referred to as report ) to XXXX, XXXX in regards to XXXX. 
CHECKR is a consumer reporting agency as described in 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
This report has had an adverse impact on my reputation, as well as has caused me to loose the ability to earn via the XXXX platform. CHECKR has reported that an INSTALLMENT PLAN is in a DEFUALT status. The information CHECKR provided in the report is not accurate in that there was never a valid contract in place according to my records. 
CHECKR has displayed Inexcusable negligence or ignorance by allowing this unverified item to be placed on the consumer report of XXXX, which is considered as nearly equal to fraud. CHECKR has violated [ 15 U.S.C. 1681a ] in that CHECKR has engaged in a fraud committed using the identifying information of another person. 
A debt collector must swear true, correct, and complete that an exchange of valuable consideration has occurred that allows him to demand repayment. CHECKR has not shown proof that the provider of the negative information used in the report ever had a valid contract with me, consequently any adverse actions they took against XXXX XXXX or any negative reporting information they provided to CHECKR should never have been placed on a consumer report. CHECKR has provided no proof that such a sworn statement exist, nor that CHECKR had access to it prior to engaging in erroneous reporting of false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXXXXXX Balance : XXXX US DEPT ED XXXX Balance : XXXX US DEPT ED XXXX Balance : XXXX XXXX XXXXXX/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 2023-07-31 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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX US DEPT ED XXXX Balance : XXXX US DEPT ED XXXX Balance : XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIRST CITIZENS BANCSHARES, INC.
State: AZ

Complaint narrative:
I sold a $ XXXX truck to an individual for $ XXXX because he need assistance. He wrote me a check from First Citizens Bank. I went to cash the check and after 30 minutes of due diligence, calling the owner of the checking account, verifying why the check was written and other banking review the manager XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX CA XXXX refused to honor the check. He said that was his policy at the branch and when I asked to see the written policy, he said " NO ''. In other words he can discriminate against any individual he deems not worthy. The funds were in the account, everything was verified ; however, XXXX XXXX did not like me and was not going to assist in this transaction. He stated the owner must come into the branch. I told him he is working 8-5 and does not have time and I am leaving for Arizona the next morning. I further stated he can verify me XXXX XXXX XXXX, XXXX, XXXX, XXXX by the internet. This is discrimination giving him ( branch manager ) the ability to discriminate against race, religion, anything he wants without justification. He almost cost this client a vehicle. I am very affluent and can afford selling a vehicle at a loss ; however, this person could not afford losing this vehicle. He could see that I am a well established financial professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I have no idea what this debt is about and never receive any information from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, 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.

15 USC 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for purpose. 

Credit company Gm financial

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX ATTN : Consumer Financial Protection Bureau XXXX : Complaint against XXXX, XXXX, and TransUnion for Continuously Erroneous Credit Reporting Dear Sir/Madam, I am writing to file a formal complaint against XXXX, XXXX, and TransUnion regarding their continuous and reckless erroneous reporting on my credit report. Despite numerous complaints submitted throughout this year, all of which have been ignored, their negligent actions have caused significant financial and emotional distress. 

My personal information is as follows : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Gender : XXXX  Current Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX Employer : XXXX XXXX XXXX  I hereby demand that XXXX, XXXX, and TransUnion take immediate action to update and correct my credit report as follows : Removal of all addresses with which I am not associated : XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX Removal of the following collection accounts, as the bureaus have failed to provide their method of verification for these accounts, and I confirm that they are not mine : XXXXXXXX XXXX  # XXXX ( No creditor listed ) Account # XXXX ) XXXX XXXX # XXXX I want to stress that these inaccuracies have seriously damaged my creditworthiness and caused considerable hardship in obtaining loans, credit cards, and other financial opportunities. The bureaus ' repeated refusal to address these issues shows a blatant disregard for my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

As per the FCRA, I am entitled to have accurate and up-to-date information on my credit report, which is essential for my financial well-being. Failure to comply with these rights is a direct violation, and I will be seeking monetary damages of XXXX  per violation. 

I trust that the CFPB will thoroughly investigate this matter and ensure that XXXX, XXXX, and TransUnion correct their reporting errors promptly. I expect a timely response from the CFPB regarding the steps taken to rectify this situation. 
Please find attached relevant documents supporting my claim, including previous complaint communications with the credit bureaus. 
Thank you for your attention to this matter, and I look forward to a swift resolution. 

Sincerely, 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 2023-07-31 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-07-31 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: FL

Complaint narrative:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would like to request the suppression of these items from my credit report, which are the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. 


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 2023-07-31 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:
It has been drawn out 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 XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : {$900.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-07-31 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:
It has been drawn out 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 XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : {$900.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: CA

Complaint narrative:
I'm filing this complaint to tell you that, I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT  OF EDXXXX XXXX , DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX XXXX , XXXX - XXXX XXXX XXXX, XXXX XXXXU XXXX, XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. Please delete these accounts ASAP.

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 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XXXX XXXX, XXXX I sent a check by mail to pay for a service I received. On XXXX XXXX, XXXX the payee said he did not receive the check. By the next bank statement the check had been cleared by a bank and the check had been altered. It was signed on the back by an unknown person who also added his/her name to the front of the check. I then made a claim to Chase bank regarding the stolen check, and they promised to resolve the problem within 120 days at the most. It is now 7 months later and Chase has still not reimbursed by account. I have filed a police report number XXXX. I have reached out to Chase multiple times and I still have yet to hear a positive response.

Company response to consumer: Closed with explanation