vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 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: WA

Complaint narrative:
THE FOLLOWING ACCOUNTS LISTED BELOW ARE INACCURATE AND MUST BE DELETED FROM MY CREDIT REPORT. 

XXXX XXXXXXXX The monthly payment on this account is inaccurate. Experian is reporting - as the monthly payment and XXXX is reporting - and XXXX is reporting {$0.00}. The last date of activity is also inaccurate. Experian is reporting XX/XX/XXXX as the last date of activity and XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. The No. of Months ( terms ) on this account is also inaccurate. Experian is reporting 60 Months and XXXX is reporting Monthly ( due every month ) and XXXX is reporting Monthly PLEASE DELETE AND REMOVE IT FROM MY 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 2022-02-28 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: NC

Complaint narrative:
In accordance with the fair credit reporting act convergent XXXX  on XXXX, XXXX XXXX XXXX  on XXXX, XXXX on XXXX and XXXX, XXXXXXXX XXXX XXXX on XXXX, XXXX on XXXX and XXXX on 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.

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 2022-02-28 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: NC

Complaint narrative:
In accordance with the fair credit reporting act convergent XXXX on XXXX, XXXX XXXX XXXX on XXXX, XXXX on XXXX and XXXX, XXXX XXXX XXXXXXXX on XXXX, XXXX on XXXX and XXXX on 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.

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 2022-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
I hello I sent an email to XXXX  on XXXX XXXX that gave my number to the debit collection agency Me and my aunt who was on the lease let them know that we was trying to pay the debt off the lady on the phone with the collection company I was trying to pay it off but she gave me a fake email to a dispute department that never emailed me back or called me back this was on XXXX XXXX after this my aunt received a letter in the mail say she didnt have to pay the balance this she received that paper back in XX/XX/2021 but they are still pursuing me even after the disputes they garnished my account XX/XX/2021 I have XXXX kids XXXX, & XXXX I have to take care of and I can barely take care of them by myself since covid 19 hit I receive food stamps an Medicaid for myself and my kids the money they took out my bank put me more In debit they never told me I could do a dispute I would have been able to pay 10 % I told the lady over the phone this before she gave the fake email I also sent an second email I attached all the emails to this letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: MD

Complaint narrative:
Between my wife and I request to individual or the main three credit reporting agencies over the past two years, we have yet to get any of the many errors in our credit reporting corrected. Especially the ones that indicated that they would send the response to us by mail. PLEASE DO NOT RESPOND BY MAIL ONLY. We had problems getting all of our mail, and in the mail we have received concerning CFPB complaints, the answers were never clear as to what action was taking, or they simply indicated that an investigation showed that there were no errors. Our credit reporting was confirmed to have many errors. So we are requesting urgent attention to these matters from the listed credit reporting agencies :

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 2022-02-28 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: MD

Complaint narrative:
Between my wife and I request to individual or the main three credit reporting agencies over the past two years, we have yet to get any of the many errors in our credit reporting corrected. Especially the ones that indicated that they would send the response to us by mail. PLEASE DO NOT RESPOND BY MAIL ONLY. We had problems getting all of our mail, and in the mail we have received concerning CFPB complaints, the answers were never clear as to what action was taking, or they simply indicated that an investigation showed that there were no errors. Our credit reporting was confirmed to have many errors. So we are requesting urgent attention to these matters from the listed credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: UT

Complaint narrative:
I have couple of issues, ( Transunion ) I have a debt with XXXX XXXX that I never opened, A personal trainer fraudulently signed me up for a membership in a attempt to collect a commission, I DID NOT SIGN A MEMBERSHIP WITH VASA I WANT THIS OFF MY CREDIT!, I also have a collection for a insurance policy with progressive that I canceled and moved the day the policy expired, I paid my premium monthly ( this is documented ) monthly installments are canceled if payments aren't received so there's no way to have a outstanding balance, this XXXX collections company doesn't care about this because they've invested money purchasing the debt so they are insistent about collecting in spite of the debt beginning illegitimate. Transunion doesn't care about this issue as well .... I assume my I low credit score and rating are to blame I'm not a real person as far as they are concerned so why take the time to handle this issue, simply put its economic racism " low credit score lives matter! '' Issue # XXXX I had XXXX run a dark web scan with my ssn and DL and there are inquiries and other credit issues all over the country that obviously I'm not responsible for so I froze each credit file but my name, ssn and DL have been seriously compromised and I'm not sure what to do any advice would be greatly appreciated. 
Thank you, 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 2022-02-28 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: EQUIFAX, INC.
State: HI

Complaint narrative:
account # XXXX XXXX XXXX is reporting inaccurate factual information on my XXXX and Equifax credit report and according to the FCRA XXXX it should be removed from my credit report. Equifax is reporting the number of months ' terms as XXXX and XXXX is reporting it as XXXX. XXXX is also reporting date last active as XX/XX/XXXX and Equifax is reporting date last active as of XX/XX/XXXX which is inaccurate information and should be deleted from my credit reports, also the date of last payment is being reported by XXXX as XX/XX/XXXX, and date of last payment is being reported as of XX/XX/XXXX which is a violation of the FCRA and should be removed immediately from my credit file. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: PA

Complaint narrative:
I, XXXX XXXX XXXX am the victim of identity fraud company name XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, have fraudulent accounts on my credit profile that needs to be moved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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:
ATTN Fraud Department : Remove fraudulent accounts from my 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 2022-02-28 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:
I, XXXX XXXX XXXX am the victim of identity fraud company name XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX BANK XXXX, XXXX, XXXX XXXX XXXX, have fraudulent accounts on my credit profile that needs to be moved 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 2022-02-28 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:
I, XXXX XXXX XXXX am the victim of identity fraud company name XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  have fraudulent accounts on my credit profile that needs to be moved 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 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I had my money from unemployment and they allowed someone to spend 8000 out f my account there were reoccurring charges coming out which they where told they were not mine but they continued to take them out I filed a dispute for every charge then was told the charges were valid cause it was name and my up they stole my identity

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 2022-02-28 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: AL

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

( I LOST MY SOCIAL SECURITY CARD AS A VICTIM OF IDENTITY THEFT. I WAS ABLE TO ATTACH MY FTC AFFIVDAVIT, LETTERS TO EACH CREDIT BUREAU, AND THE TWO FORMS OF ID I CAN PROVIDE. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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:
ATTN Fraud Department : Remove fraudulent accounts from my 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 2022-02-28 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
My personal information is being reported as inaccurate and this is a direct violation of the FCRA. My personal information should be updated immediately to counter fraudulent accounts or inaccurate information from being reported on all 3 of my credit reports, My name should be reported as it reads on my Hawaii State issued Drivers License and it reads as follows and all other names should be deleted immediately, XXXX XXXX XXXX XXXX is my birth given name and should be the only name that shows on my Experian, XXXX, and XXXX Credit Reports, nicknames, know as names, or other names should all be deleted immediately, also my address is XXXX XXXX XXXX, Apt XXXX XXXX Hi, XXXX, all other address should be deleted immediately in accordance with the FCRA, also my Birth Date is XX/XX/XXXX and should be updated immediately on Experian which only has XXXX reporting as my birth date, also update my place of employment as XXXX XXXX XXXX Co XXXX and it should show on all 3 Credit Bureaus Experian, XXXX, and XXXX all other places of employment I want to deleted off my credit reports immediately for inaccurate reporting. Also, update my phone number to my personal phone number XXXX and delete all other erroneous phone numbers on my credit reports Thank You I will upload my Valid Drivers License and Social Security Card my XXXX W2, and a Utility Bill as Proof of Identity and Residence

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 2022-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I had some bad fraud going on with my credit cards and specifically the Apple Card. While I was out the country and unable to come back due to the pandemic. My apple card was getting used after my XXXX and XXXX where stolen. Which i reached out to apple and informed them. There was over {$20000.00} in transactions made and {$16000.00} in payments taken out my account. Ive already let my bank know. But Goldman Sachs indicated I wasnt responsible and how i dont need to worry and how theyll get the charges credited and my payments back. 

Instead they closed my Apple Card and said I was liable for the fraudulent charges I never made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I had some bad fraud going on with my credit cards and bank account for over 2 years now. Most recently the Apple Card. While I was out the country and unable to come back due to the pandemic. My apple card was getting used after my XXXX and XXXX where stolen. Which i reached out to apple and informed them. There was over {$20000.00} in transactions made and {$16000.00} in payments taken out my account. Ive already let my bank know. But Goldman Sachs indicated I wasnt responsible and how i dont need to worry and how theyll get the charges credited and my payments back. Instead they closed my Apple Card and said I was liable for the fraudulent charges I never made. This is horrible customer service and to be told Im not liable for any fraud and then to close my account and say Im liable is a slap in a face to me.

This pandemic was hard on everyone and so much fraud was done during that time and they have the audacity to say Im liable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: AL

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. ( I LOST MY SOCIAL SECURITY CARD AS A VICTIM OF IDENTITY THEFT. I WAS ABLE TO ATTACH MY FTC AFFIVDAVIT, LETTERS TO EACH CREDIT BUREAU, AND THE TWO FORMS OF ID I CAN PROVIDE. )

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 2022-02-28 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: HI

Complaint narrative:
My personal information is being reported as inaccurate and this is a direct violation of the FCRA. My personal information should be updated immediately to counter fraudulent accounts or inaccurate information from being reported on all 3 of my credit reports, My name should be reported as it reads on my Hawaii State issued Drivers License and it reads as follows and all other names should be deleted immediately, XXXX XXXX XXXX XXXX is my birth given name and should be the only name that shows on my XXXX, Transunion, and XXXX Credit Reports, nicknames, know as names, or other names should all be deleted immediately, also my address is XXXX XXXX XXXX, Apt XXXX XXXX Hi, XXXX, all other address should be deleted immediately in accordance with the FCRA, also my Birth Date is XX/XX/XXXX and should be updated immediately on XXXX which only has XXXX reporting as my birth date, also update my place of employment as XXXX XXXX XXXX Co XXXX and it should show on all 3 Credit Bureaus XXXX, XXXX, and Transunion all other places of employment I want to deleted off my credit reports immediately for inaccurate reporting. Also, update my phone number to my personal phone number XXXX and delete all other erroneous phone numbers on my credit reports Thank You I will upload my Valid Drivers License and Social Security Card my XXXX W2, and a Utility Bill as Proof of Identity and Residence

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