vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 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: TX

Complaint narrative:
I previously requested that you investigate my Credit File and correct any erroneous information that you may find, But upon checking my Updated Credit Report, I see here that you have done no changes nor updates at all! Let me remind you that according to the XXXX XXXX XXXX XXXX XXXX XXXX, you are required to investigate and update, correct, or remove erroneous information being reported on my XXXX XXXX. You have not complied with the XXXX XXXX and continued reporting the disputed items as if these are verified. Under the Fair Credit Reporting Act, I request XXXX you to please correct my Credit File by updating or removing the following items off from my Credit Report : XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$100.00}

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 2023-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
This was resolved, they sold the information again to another 3rd party collection agency called > ( eastern account system ) Here is the information from my dispute XXXX Complaint # XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Debt collection ISSUE Communication tactics We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT They called me at XXXX XXXX XXXX harassing me multiple times and threatening me, I sent a debt validation letter XX/XX/XXXX, they never show me any proof of validation. [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX ] They added a derogatory marks on my credit reports, they never validated anything at all, Upon further research, this account was transferred /sold to a third party collection agency they did not verify this collection. Also there was no written form of contract or signature. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. please forward me all documents on this account or remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: AZ

Complaint narrative:
I have disputed an adverse action that was taken against me based on information in my credit report in the past and you still continue to report it why?

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 603, Subsection ( k ) ( 1 ) ( b ) ( i ), which requires credit reporting agencies to provide notice to consumers when an adverse action is taken based on information in their credit report. 
I am requesting that you investigate and correct the inaccuracies in my credit report. 
The specific items I am disputing are : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-12 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 Multiple requests 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 items XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$3900.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX... Balance : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX, for committing XXXX. I have never given XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I have sent in a XXXX XXXX payment coupon to company in XX/XX/2022. Company did not apply my payment and closed my account without giving reason or notice. Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt that I already paid, and you refused to accept, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports. XXXX requested documents so I can properly assess the validity of any debt Cease and rescind use of my intellectual property, my signature stating I agreed to close such account or was giving notice to close such account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to pervious response company did not answer my claim. According to the payment slip, your company states that it accepts payment coupons. Which seem to be false information. 
This brings a lot of confusion and sounds like fraud actively have occurred by you company. 
The company stated I must pay in XXXXXXXX XXXX and I know that a XXXX XXXX XXXX XXXX XXXX XXXX XXXX as the currency of a nation in the form of paper moneyXXXX XXXX XXXX  is considered valid for payment of any financial obligations. XXXX XXXX is a form of money that courts of law are required to recognize as satisfactory payment for any monetary debt. Each jurisdiction determines what is XXXX XXXX but essentially it is anything which when offered ( " XXXX XXXX ) in payment of a debt extinguishes the debt. The act of XXXX  the payment in XXXX XXXX  discharges the debt.

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 2023-01-12 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Credit company obtained my credit report without my authorization

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: DE

Complaint narrative:
when I recently checked my credit report I seen that there was a closed XXXX XXXX account on my report opened XX/XX/2022 I was not made aware of it this is my first time seeing the account on my report and since it was reported as a closed account I would like for it to get removed of my report I contacted both XXXX XXXX XXXX XXXX XXXX XXXX but they have not made the actions to get the account removed off of my credit report Its been past XXXX XXXX I have put the report in with identify theft as well and now I am here reporting this I would like for this to XXXX off my report it is 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 non-monetary relief
Consumer complaint received 2023-01-12 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: DE

Complaint narrative:
when I recently checked my credit report I seen that there was a closed XXXX XXXX account on my report opened XX/XX/2022 I was not made aware of it this is my XXXX time seeing the account on my report and since it was reported as a closed account I would like for it to get removed of my report I contacted both XXXX XXXXXXXX and the XXXX XXXX  but they have not made the actions to get the account removed off of my credit report Its been past XXXX XXXX I have put the report in with identify theft as well and now I am here reporting this I would like for this to XXXX off my report it is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: DE

Complaint narrative:
when I recently checked my credit report I seen that there was a closed XXXX XXXX account on my report opened XX/XX/2022 I was not made aware of it this is my XXXX XXXX seeing the account on my report and since it was reported as a closed account I would like for it to get removed of my report I contacted both XXXX XXXXXXXX and the credit bureaus but they have not made the actions to get the account removed off of my credit report Its been past XXXX XXXX I have put the report in with identify theft as well and now I am here reporting this I would like for this to XXXX off my report it is 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 non-monetary relief
Consumer complaint received 2023-01-12 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:
I have disputed an adverse action that was taken against me based on information in my credit report in the past and you still continue to report it why?

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 603, Subsection ( k ) ( 1 ) ( b ) ( i ), which requires credit reporting agencies to provide notice to consumers when an adverse action is taken based on information in their credit report.

I am requesting that you investigate and correct the inaccuracies in my credit report. 
The specific items I am disputing are : 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 non-monetary relief
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MCM took funds out of my XXXX  XXXX XXXX joint checking account they stole XXXX. Dollars and XXXX.Dollars saying they have a garnishment against me we had just gotten our social Security monies and had some money from insurance payment to fix my house after surviving XXXX XXXX I filed a complaint with XXXX XXXX XXXX they released half of the funds but not the insurance or my husband 's social security money they also charged me {$120.00} Legal fee they never served me with anything they hacked my Bank account and XXXX XXXX XXXXXXXX let them I've had this account over XXXX  years thought XXXX XXXX XXXXXXXX was a reliable company I guess I was very wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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:
XXXXXXXX XXXX amount of XXXX XXXXXXXX XXXX XXXX Amount of XXXX XXXX XXXX XXXX Amount of XXXX XXXX XXXX XXXX Amount of XXXX XXXX XXXX XXXX Amount of XXXX XXXX XXXX XXXX Amount of XXXX XXXX amount of XXXX XXXX XXXX amount of XXXX In accordance to fair credit reporting act the ABOVE LISTED accounts have violated my federally protected consumer rights AS FOLLOWS 1692 ( a ) - Consumer has a right to privacy.

15 U.S.C. 1681 A. states that I have a right to privacy 15U.S.C 1681 604A 2 States a consumer reporting agency can not furnishing account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following forms of information. Any adverse item or information other than records of convictions of crimes which antedates the report by more than 7 years.

15U.S.C 1681 ( 2 ) ( a1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if a person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1692d ( 4 ) The consumer must verify the debt. I the consumer never verified ANYTHING.

15U.S.C.1692d.Credit is the right granted and protected by federal law. If any debt collection caused a denial of credit this allows for damages.

15 U.S.C.1692e ( 8 ) .false and inaccurate credit information reported Article 9, states companies can not assign a defaulted note.

15 U.S.C.1692e ( 12 ), the assignee and the assigned are jointly accountable for infractions.

1681 ( b ) - CRAs must follow reasonable procedures.

1681a ( 2 ) ( A ) ( i ) - Reported information can only be transactions and experiences between the consumer and a company.

15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley and must be removed because I never given a chance to give direction 1681b ( a ) ( 2 ) - CRAs need written instruction by consumer to make a consumer report Written instruction was never given by me the consumer.

1681b ( e ) ( 6 ) - All CRAs must work together and be joined.

1681e ( b ) - must maintain maximum possible accuracy.

1681s-2 ( 7 ) ( A ) ( i ) - required negative information notice. Never received

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 2023-01-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} In accordance to fair credit reporting act the ABOVE LISTED accounts have violated my federally protected consumer rights AS FOLLOWS 1692 ( a ) - Consumer has a right to privacy.

15 U.S.C. 1681 A. states that I have a right to privacy 15U.S.C 1681 604A 2 States a consumer reporting agency can not furnishing account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following forms of information. Any adverse item or information other than records of convictions of crimes which antedates the report by more than 7 years.

15U.S.C 1681 ( 2 ) ( a1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if a person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1692d ( 4 ) The consumer must verify the debt. I the consumer never verified ANYTHING.

15U.S.C.1692d.Credit is the right granted and protected by federal law. If any debt collection caused a denial of credit this allows for damages.

15 U.S.C.1692e ( 8 ) .false and inaccurate credit information reported Article 9, states companies can not assign a defaulted note.

15 U.S.C.1692e ( 12 ), the assignee and the assigned are jointly accountable for infractions.

1681 ( b ) - CRAs must follow reasonable procedures.

1681a ( 2 ) ( A ) ( i ) - Reported information can only be transactions and experiences between the consumer and a company.

15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley and must be removed because I never given a chance to give direction 1681b ( a ) ( 2 ) - CRAs need written instruction by consumer to make a consumer report Written instruction was never given by me the consumer.

1681b ( e ) ( 6 ) - All CRAs must work together and be joined.

1681e ( b ) - must maintain maximum possible accuracy.

1681s-2 ( 7 ) ( A ) ( i ) - required negative information notice. Never received

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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:
I am submitting this CFPB Complaint to you today to request, once again, to remove the fraudulent accounts and information that I found you report on my Credit File. I have read that I am entitled to protect my consumer rights under the Fair Credit Reporting Act Section 605b, and request to you to remove any fraudulent accounts and information that being opened due to my identity being stolen. I previously sent you a disputed letter last XX/XX/XXXX, with complete attachments of my personal identification documents as well as the ID THEFT REPORT I received from the FTC. Once again, I request of you to please remove the following items off from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a victim of Identity theft and the items I am disputing do not relate to any transactions that I have done or authorized. Under the Fair Credit Reporting Act section 605b, please remove the disputed accounts and information from my Credit File as soon as possible.

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