vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting 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:
When reviewing my credit report, I discovered some incorrect information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX  credit bureaus are required to validate these accounts. It is not permissible to report unverified information without providing proof within the legally specified time frame. The following erroneous information on my credit report needs to be investigated and corrected : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$15000.00}, XXXX XXXX XXXX  XXXX Balance Owed : {$9900.00}, XXXX XXXX XXXX XXXX Balance Owed : {$580.00}, XXXX XXXX XXXX XXXX XXXX Owed : {$6400.00}, XXXX  XXXX Balance Owed : {$650.00}, XXXX XXXX Balance Owed : {$140.00}

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 2024-05-15 00:00:00
Product: Credit reporting 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:
When reviewing my credit report, I discovered some incorrect information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus are required to validate these accounts. It is not permissible to report unverified information without providing proof within the legally specified time frame. The following erroneous information on my credit report needs to be investigated and corrected : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$15000.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$9900.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$580.00}, XXXX XXXX XXXX XXXX XXXX Owed : {$6400.00}, XXXX XXXX Balance Owed : {$650.00}, XXXX XXXX Balance Owed : {$140.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Requesting the method of Verification : As you know, I sent you a letter last month regarding the issues with the accuracy of my consumer report. I am requesting the method of verification you used to prove that these transactions on my investigative consumer report are indeed mine and who you interviewed and spoke to about them. Notice, it is a fact, that I am aware, in accordance with 15 U.S. Code 1681i ( 7 ) I, the consumer has the right to know the description of the method used to verify the information furnished on my consumer report within 15 days of the request. I demand to know the method used to verify this information. If a description of the method used to verify this information can not be provided, information associated with the accounts listed below must be removed. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the Contractor is required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts you post on a credit report. I have yet to receive any proof from the person that is reporting on my consumer report. Failure of doing this can be a cause of identity theft because anyone could be using my social security number and selling my information without my consent. I hope that you realize the damage and stress that you are causing me by not complying. I am fully aware that negligence and noncompliance are a violation of 15 usc 1681n Civil liability for willful noncompliance. Each violation under this section could be up to {$1000.00} and I have no problem exercising my rights as a Federally protected consumer under title 15 Chapter 41 and pursuing litigation. I am well aware of 15 usc 1681s ( Section 623 ) that Data furnishers are indeed required to notify the consumer of any negative reporting that will be furnished but I can assure you that has not happened at all. These Data furnishers need to prove to me that they have followed procedures of federal law and need to delete these accounts from my consumer report. The following accounts need to be reinvestigated once again as I do not believe you conducted a real investigation. Anything inaccurate, incomplete, and unverifiable must be removed.

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I pulled my Consumer reports from XXXX, XXXX XXXX XXXX and I noticed XXXX has furnished this account as a charge-off/collection. A charge-off is a canceled debt where a form XXXX must be issued to the consumer. I recently contacted And spoke to a representative and was informed that this account was sold to a collection company. This account has been Discharged by BMW FIN SVC__ and I need to file the XXXX form with the IRS as income. An account can not be a charge-off and a collection at the same time. BMW FIN SVC has furnished this account as a charge-off, in violation of the Fair Credit Reporting Act 15 USC 1681 . BMW FIN SVC as a furnisher of information, is prohibited by law from reporting inaccurate information. The IRS defines a Charge Off as canceled debt. When a debt is cancelled a FORM XXXX must be issued. The IRS states that a canceled debt is Gross or ordinary income, INCOME DOES NOT GET REPORTED TO THE CONSUMER REPORTING AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Eastern Account Systems of Connecticut, Inc.
State: AR

Complaint narrative:
XX/XX/2024 I am unaware of this alleged debt that the Eastern Account Systems stated I owe them in the amount of {$90.00} that I supposedly opened with them XX/XX/2024. Per consumer law a collection agency has to provide validation of any debt on my consumer report under 12 CFR 1006.34 ( b ) ( 5 ). If they do state they have provided the information, I would like the method of validation, all correspondence of who you talked to, their phone numbers, emails and addresses. I have not been given a chance to dispute the account according to 12CFR 1006.34 ( c ) ( 4 ) ( I ) The collection agency is violating my consumer rights by using false misleading, misrepresenting and deceptive means.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$150.00}

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$150.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting 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:
Having recently examined my credit report, I was astounded to discover that I've fallen prey to identity theft. I came across multiple accounts on my credit report that I did not authorize. This situation is negatively impacting me at a crucial juncture, as I am currently in the process of securing a home for my family. I urgently request the removal of these fraudulent accounts from my credit report. Your prompt attention to this matter is highly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: HI

Complaint narrative:
Currently, I have been to court XXXX times. 
I the process of trying to solve what owe and who owe money to. 
XXXX XXXX is Sueing in the court of Hawaii. for the amount XXXX USD XXXX is trying to collect on the same debt. 
Jefferson Capital Systems is also attempting to collect on this debt, has stated in their letter that is pass time to take this to court. I have attached a copy of all the correspondents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX, XXXX refuses to verify these fraudulent debts which have been identified and reported as being the result of identity theft. XXXX, XXXX also continues to report these fraudulent accounts to Experian as being valid when XXXX XXXX XXXX is knowingly failing to comply with the law and has sent me emails stating that they will not reinvestigate the following fraudulent accounts, which is a direct violation of the FCRA. I have a right to dispute any and all inaccuracies appearing on my consumer report an unlimited amount of times until I find that no inaccuracies exist and every data furnisher is likewise required by the FCRA to investigate all disputes filed by a person who is challenging any inaccuracy being provided by that data furnisher on the affected consumer 's report. No statute authorizes a data furnisher to state to a consumer in writing that the data furnisher will ignore all future communications or requests to reinvestigate a claim or dispute filed by a consumer nor that the data furnisher 's decision is final regarding a dispute. XXXX, XXXX is not respecting the law and more importantly, not respecting my rights. Please delete ALL SIX of these fraudulent accounts from my Experian credit report immediately. I did not authorize nor apply for any loan, product or service with this company and again, when I demanded specific documents from them, XXXX XXXXXXXX refused to provide these debt verification documents as well as the information I requested in order for me to try and determine who is misusing my stolen identity credentials and personal information. The following XXXX accounts can not continue to remain on my credit report without running afoul of the FCRA and subjecting Experian to joint civil liability alongside XXXX XXXXXXXX : XXXX, XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX, XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # 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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX, XXXX refuses to verify these fraudulent debts which have been identified and reported as being the result of identity theft. XXXX, XXXX also continues to report these fraudulent accounts to Experian as being valid when XXXX XXXX XXXX is knowingly failing to comply with the law and has sent me emails stating that they will not reinvestigate the following fraudulent accounts, which is a direct violation of the FCRA. I have a right to dispute any and all inaccuracies appearing on my consumer report an unlimited amount of times until I find that no inaccuracies exist and every data furnisher is likewise required by the FCRA to investigate all disputes filed by a person who is challenging any inaccuracy being provided by that data furnisher on the affected consumer 's report. No statute authorizes a data furnisher to state to a consumer in writing that the data furnisher will ignore all future communications or requests to reinvestigate a claim or dispute filed by a consumer nor that the data furnisher 's decision is final regarding a dispute. XXXX, XXXX is not respecting the law and more importantly, not respecting my rights. Please delete ALL SIX of these fraudulent accounts from my Experian credit report immediately. I did not authorize nor apply for any loan, product or service with this company and again, when I demanded specific documents from them, XXXX XXXXXXXX refused to provide these debt verification documents as well as the information I requested in order for me to try and determine who is misusing my stolen identity credentials and personal information. The following XXXX accounts can not continue to remain on my credit report without running afoul of the FCRA and subjecting Experian to joint civil liability alongside XXXX XXXXXXXX : XXXX XXXXXXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX, XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX Acct. # 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 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: FL

Complaint narrative:
I purchased a Necklace From XXXX for {$230.00} to get it and return it because I didnt like how it felt or looked. I was told I would get my refund XXXX business days after they received my necklace to now be XXXX days out without any refund. Ive contacted them and they stated my refund was in my account which it was not. To then contact cashapp support to understand where my refund was. To be met with no help and the same repeated automated messages denying my request for a chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting 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: PR

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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