vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It has been a battle going through this and I am writing to delete the following fraudulent accounts and information 's in my file. The items I need deleted are listed in the report. I have been a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the items 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 Balance : {$0.00}. Also, I have been requesting that you send me copies of proof of verification or proof of ownership regarding these items and yet I received nothing. Your continuous reporting of the disputed accounts and information is in violation of my Consumer rights under the FCRA. I demand you to please remove the disputed items from my Credit File.

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It has been a battle going through this and I am writing to delete the following fraudulent accounts and information 's in my file. The items I need deleted are listed in the report. I have been a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the items 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 Balance : {$0.00}. Also, I have been requesting that you send me copies of proof of verification or proof of ownership regarding these items and yet I received nothing. Your continuous reporting of the disputed accounts and information is in violation of my Consumer rights under the FCRA. I demand you to please remove the disputed items from my Credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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:
My consumer rights continue to be violated by Experian. I am using factual information from their inaccurrate credit reporting to dispute this items. As it is my right to have accurate information reported. 

The account of XXXX XXXX XXXX XXXX  ( listed on Experian ) This account is reporting incomplete payment history, as well as a Past Due amount on a closed account. Experian has failed to update -The status update. This has not been reporting correctly it currently says as I have disputed this account with Experian on XX/XX/XXXX. ( I will attach Exhibit A. dispute report ) Report XXXX. 

How can XXXX XXXX be the status update when I clearly disputed it on XX/XX/XXXX. Furnishing and Reporting Old Information this is a Direct violation of FCRA. Please delete this account. 

Below is previously Disputed for inaccurate reporting on Experian Report number Report Number XXXX XXXX XXXX ( Exhibit B. ) XXXX XXXX XXXX Potentially Negative Account Info Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$540.00} written off. {$630.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$630.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$400.00} Highest Balance {$0.00} Terms 10 Months On Record Until XX/XX/XXXX Report Number XXXX ( exhibit C ) XX/XX/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 2023-01-25 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:
My consumer rights continue to be violated by Experian. I am using factual information from their inaccurrate credit reporting to dispute this items. As it is my right to have accurate information reported. 

The account of XXXX XXXX XXXX XXXX ( listed on Experian ) This account is reporting incomplete payment history, as well as a Past Due amount on a closed account. Experian has failed to update -The status update. This has not been reporting correctly it currently says as I have disputed this account with Experian on XX/XX/XXXX. ( I will attach Exhibit A. dispute report ) Report XXXX. 

How can XXXX XXXX be the status update when I clearly disputed it on XX/XX/XXXX. Furnishing and Reporting Old Information this is a Direct violation of FCRA. Please delete this account. 

Below is previously Disputed for inaccurate reporting on Experian Report number Report Number XXXX XXXX XXXX ( Exhibit B. ) XXXX XXXX XXXX Potentially Negative Account Info Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$540.00} written off. {$630.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$630.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$400.00} Highest Balance {$0.00} Terms 10 Months On Record Until XX/XX/XXXX Report Number XXXX ( exhibit C ) XX/XX/XXXXXXXX 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 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Hello Chase bank let unauthorized charges go on me and my wife credit cards without us knowing about it till it was to late A online casino company call XXXX XXXX ran up over XXXX dollars on 7  cards. We lost the dispute because they said it pass 30 days we disputed with the credit bureaus didn get anywhere now we left with XXXX debt chase bank never let us know anything when these unauthorized charges was bein made.we filed police reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}

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 2023-01-25 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: GA

Complaint narrative:
This is my NUMEROUS 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 ITEMS. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} Date Opened : 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 2023-01-25 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: GA

Complaint narrative:
This is my NUMEROUS 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 ITEMS. 
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 XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: CA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$9300.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 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: TX

Complaint narrative:
I have previously disputed the multiple violations per the FCRA for inaccurate information being reported, Furnishing and Reporting Old Information, Furnishing and Reporting Inaccurate Information, Failing to Follow Proper Procedures, The CRA must conduct a reasonable investigation.Clearly my rights a consumer continue to violated. 
I am making factual disputes. 
2 accounts XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX Exhibit A. ( Current Equifax report XX/XX/XXXX ) XXXX XXXX XXXX acct # XXXX is in violation for reporting inaccurately. 
( XXXX ) This is not an open ended collection account. 
( XXXX ) payment history is reporting inaccurately ( currently showing payments made XXXX, XXXX, and XXXX XXXX it shows 0 % of this account is paid off. That doesnt make any sense. 
( XXXX ) The balance transferred from XXXX XXXX is inaccurate. 
( XXXX ) First date of delinquency per XXXX XXXX and XXXX XXXX the first Date of Delinquency is XX/XX/XXXX. which means the statue of limitation has exceeded ( Exhibit B attached payment history from XXXX recieved from XXXX XXXX. 

XXXX XXXX XXXX ( XXXX ) reporting payments made in the XXXX which is not accurate. 
( XXXX ) XXXX XXXX has incorrect orginal balance I have complaints that date back to XX/XX/XXXX with confirmations listed below from Equifax stating this accounts are accurrate and verified. Please see list below : Confirmation # # XXXX Item reported on XX/XX/XXXX XXXX item reported in XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX XXXX shows a 1 date of Delinquency of XX/XX/XXXX when clearly that is inaccurate as well. ( see Exhibit B ) Exhibit D XXXX reported date of first XXXX as XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It has been a battle going through this and I am writing to delete the following fraudulent accounts and information 's in my file. The items I need deleted are listed in the report. I have been a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the items as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}. Also, I have been requesting that you send me copies of proof of verification or proof of ownership regarding these items and yet I received nothing. Your continuous reporting of the disputed accounts and information is in violation of my Consumer rights under the FCRA. I demand you to please remove the disputed items from my Credit File.

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 2023-01-25 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: GA

Complaint narrative:
This is my OTHER 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 items : 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 XXXX0}.

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX and equifax have been found liable to inaccurate information and false approval offers. To which they are still doing and not removing inquiries. I have multiple hard inquiries due to XXXX XXXX & equifax false approvals lowering my credit rating and increasing my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: GA

Complaint narrative:
This is my OTHER 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 items : XXXX XXXXXXXX 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am the business owner of XXXX, a registered company. We are selling XXXX based car navigation systems for XXXX vehicles worldwide and it is a renowned brand with 5 years of operation and continue to growing. We use PayPal service to collect money from our customers and we had good relationship with PayPal Inc for the most of the time. Our account e-mail is XXXX, XXXX. However, it came to a sudden end today like attached e-mail copy that PayPal sent us a notice of account suspension without any explanation why.

Our fund with PayPal, about XXXX USD, is frozen for the next 180 days without an explanation. We contacted PayPal customer service they were not able to answer why either.

We believe we did not engage any activity that is related to a crime, fraud or anything that governing laws and regulations are prohibiting and we are in good standing in terms of its commercial activity. Indeed, as a private company PayPal may have a right to terminate business with us providing no explanation, but holding someone's money for 180 days without any justification is indeed hard to understand and it does not comply to common senses and business ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX XXXX Balance : {$5800.00}

Company response to consumer: Closed with explanation