vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-06 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: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Balance details 0 % paid off Balance {$3500.00} Balance updated XX/XX/XXXX Original balance {$3500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$3500.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 

Dispute this account THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.

RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed 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 2023-07-06 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: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Balance details 0 % paid off Balance {$3500.00} Balance updated XX/XX/XXXX Original balance {$3500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$3500.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 

Dispute this account THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: CA

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 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 an 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 2023-07-06 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: CA

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 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 an 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 2023-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Alleged Account Account Number : XXXX Dear National Credit Systems, I am writing to formally dispute the alleged account associated with the account number mentioned above, as per a court order dated XX/XX/2023, which concluded the parties have agreed that the landlord dismisses the monetary claim without prejudice. I do not have a monetary obligation in this matter. The court case was mediated and subsequently closed without prejudice. I received a notice from your agency regarding the collection of a debt, and I believe this to be a violation of the court 's decision. 

As stated in the court order, which I have attached for your reference [ A physical copy is on file with your office as well ], the matter at hand was thoroughly examined, and it was determined that I do not owe any monetary obligations related to the alleged account. Therefore, I kindly request that you cease all collection activities immediately and update your records accordingly. To assist you in resolving this matter swiftly, I have enclosed a copy of the court order for your review. It clearly states that the case has been closed without prejudice, emphasizing that I am not liable for any outstanding debts associated with the alleged account. It is imperative that you abide by the court 's decision and discontinue any attempts to collect on this debt. 

I expect your full cooperation in this regard. Failure to comply with the court 's order and to cease all collection activities may result in legal action being taken against your agency for violation of the Fair Debt Collection Practices Act. Please provide written confirmation within 30 days of receiving this letter, acknowledging the closure of the case and confirming that all collection efforts related to this account have been terminated. 

Additionally, ensure that no further communication or reporting to credit bureaus occurs concerning this disputed debt. I trust that you will handle this matter promptly and with the utmost professionalism. Thank you for your immediate attention and resolution of this dispute. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Balance details 0 % paid off Balance {$4500.00} Balance updated XX/XX/XXXX Original balance {$4500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$4500.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by me THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.

RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed 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 2023-07-06 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: NY

Complaint narrative:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Balance details 0 % paid off Balance {$4500.00} Balance updated XX/XX/XXXX Original balance {$4500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$4500.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by me THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.

RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern : I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. Please see items listed below. 
Account name : XXXXXXXX XXXX Account number : XXXX You're reporting a late payment in XX/XX/2021 yet XXXX is reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid as agreed due to my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.

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 2023-07-06 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
Dear CFPB this is in response to CFPB complaint XXXX XXXX and XXXX with Affirm, in my most recent complaint with affirm they stated they sent me an affidavit on XX/XX/23 but thats not true cause I received the affidavit on XX/XX/23 and filled out everything and emailed back on XX/XX/23 will attach that supporting documentation which then means affirm is not keeping accuracy here in reporting things correctly as an added measure I filled out two additional affidavits on XX/XX/23 which both contains the additional supporting documentation such as a data breach letter I received on XX/XX/23 where my Personal information was affected and also an XXXX representative email that even states they could not find the order # XXXX related to my XXXX account that affirm is accusing me of, Dear CFPB if you also head over to Affirms XXXX XXXX XXXX complaint reviews you will notice this is a common issue with affirm where people whos Personal information may be compromised and loans are getting taking out fraudulently affirm does poor investigations into peoples fraudulent loans which is my experience, if the supporting documentation I gave them is not enough Im requesting affirm provide valid proof such as the tracking number and delivery of address for the XXXX order there accusing me of as well as the location where the electronic signature was signed taking out this loan with affirm, this matter needs to get resolved now and with urgency and removed from my credit profile immediately as Im a victim of identity theft! I will get my California state attorney and Federal trade commission involved in this matter if affirm doesnt fix this issue immediately and with urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06 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: CA

Complaint narrative:
This is my 7th endeavor 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. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/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 2023-07-06 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: CA

Complaint narrative:
This is my 7th endeavor 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. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/ XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief