vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-18 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: FL

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

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 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: MO

Complaint narrative:
I mailed via USPS both XXXX and TransUnion notices of an unrecognized collection due to identity theft on XX/XX/XXXX via certified mail. 

TransUnion Tracking # XXXX XXXX Tracking # XXXX Account name XXXX XXXX - XXXX Account # XXXX Neither company has completed a proper investigation pursuant to FRCA 15 USC 1618 considering the account is a result of identity theft and unverifiable and must delete or face a fine. Beyond that none of the information is reporting the same across the 3 bureaus which points to negligence and a failure to execute proper due diligence. How can an account be both open and a charge o
ff? 
How can an account be both open on XX/XX/2014 and XX/XX/2014? 

This information is inaccurate and fraudulent and pursuant to the FCRA any account that is reporting inaccurately must be deleted. PLEASE REMOVE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: NJ

Complaint narrative:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX, XXXX. I believe it was reporting in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 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: FL

Complaint narrative:
This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Creditr Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; Bankruptcy XXXX XXXX-discharged US BKPT CT FL XXXX Filed XXXX XX/XX/XXXX Reference number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 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: FL

Complaint narrative:
This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Creditr Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; Bankruptcy XXXX XXXXdischarged US BKPT CT FL XXXX Filed XXXX XX/XX/XXXX Reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act l Credit Acceptance Corporation has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: FL

Complaint narrative:
After looking at my credit report, I was puzzled by incorrect information appearing on it. It is very important that CREDIT BUREAUS keep an accurate credit file. There is Bankruptcy XXXX XXXX-discharged US BKPT CT XXXX XXXXXXXX Filed XXXX XX/XX/2021 Reference number : XXXX reported in Experian and XXXX Bureaus that is NOT MINE. It should be noted that I have never filed for a BANKRUPTCY and the number listed that I have no idea what it is and it is not clear to me why this is even on my credit file, my best guess is that a comparable person with a name similar to mine filed for bankruptcy and somehow got listed on my credit report account fraudulently, this person must have also filed this Bankruptcy in an effort to attempt to clean up the account opened, and perhaps to open another account in the future. I called the XXXX XXXX Bankruptcy Court located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXXXXXX XXXX XXXX Phone number was XXXX. The court has DISCHARGED this Bankruptcy because I was not the one that filed this public record. Please remove this bankruptcy from my credit report now! This has caused me nothing but trouble!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, In my employment record, I worked for XXXX XXXX XXXX from XXXX to XXXX and this information is missing. Please help with adding this information as it is needed for my employment verification. 

Best, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Designed Receivable Solutions, Inc.
State: LA

Complaint narrative:
A debt collection for over a thousand dollars appeared on my credit report with XXXX. I have never been to the facility that the debt originated from. 

I contacted the facility where the debt originated from, and they dont even have an account listed under my name. I told them about the debt collection on my credit, and I also submitted a copy of my identity theft report to them. I was told that they would contact the collection agency and have it removed. 

I attempted to contact the collection agency as well, and I also submitted my identity theft report to them. This collection account is still on my credit report, and they havent removed it. 

I filed a dispute with XXXX, and I also submitted my identity theft report to them. All they did was put a note on the account that I disputed it, but they didnt remove it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: FL

Complaint narrative:
After looking at my credit report, I was puzzled by incorrect information appearing on it. It is very important that CREDIT BUREAUS keep an accurate credit file. There is Bankruptcy XXXX 7-discharged US BKPT CT XXXX XXXXXXXX Filed XXXX XX/XX/2021 Reference number : XXXX reported in XXXX and TransUnion Bureaus that is NOT MINE. It should be noted that I have never filed for a BANKRUPTCY and the number listed that I have no idea what it is and it is not clear to me why this is even on my credit file, my best guess is that a comparable person with a name similar to mine filed for bankruptcy and somehow got listed on my credit report account fraudulently, this person must have also filed this Bankruptcy in an effort to attempt to clean up the account opened, and perhaps to open another account in the future. I called the XXXX XXXXXXXX Bankruptcy Court located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX Phone number was XXXX. The court has DISCHARGED this Bankruptcy because I was not the one that filed this public record. Please remove this bankruptcy from my credit report now! This has caused me nothing but trouble!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
All my transaction I made through Bank of America online bank and XXXX are fraud. My fiance got fair by rake Vet clinic and animal transportation from XXXX And I figured out its a scammer and all the transactions I made through Bank of America and XXXX went to the scammers account

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 monetary relief
Consumer complaint received 2022-07-18 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: FL

Complaint narrative:
XXXX, XXXX and transunion has some accounts on my credt reports that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 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: FL

Complaint narrative:
XXXX, equifax and XXXX has some accounts on my credt reports that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: FL

Complaint narrative:
experian, XXXX and XXXX has some accounts on my credt reports that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was notified by Chase I owed money for use of XXXX XXXX  services.. XXXX  As a XXXX alumnus I contacted XXXX directly XXXX 
They told me that my account had been hacked and they would resolve. 
Charges were withdrawn Then charged reappeared. I contacted XXXX, Chase. 
By then it was determined that using my credentials the services we utilized by via XXXXwo IP addresses.

The breach of my account is a matter of record.

I contacted Chase Security and requested information about the charges an identity theft.

Chase security manager didnt have a clue. I tested her with a couple of cybersecurity questions I used to interview candidates to determine what the capabilities of the Chase team Their procedure was to believe what they were told by their enterprise client.

I have a meeting set this Thursday regarding my account usage, which is zero as I use Alphabet and XXXX XXXX. I just dont believe in XXXX qbit approach. 
It is easily verified that I always pay my bills and still do. Except this Chase charge.

I do not pay for something I didnt use.

I want all of the Chase data provided to me to get this resolved before I file charges against Chase. 
I will save emails files and provide the files if needed

Company response to consumer: Closed with explanation