vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 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: NY

Complaint narrative:
1 am so puzzled of what is happening with you ( CFPB ) and the bureau ( EXPERIAN and XXXX ). I've submitted this complaint 3 times & you are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, It's driving me up the wall. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN and XXXXwith an affidavit & FTC fraudulent report to support my position. It seems EXPERIAN and XXXX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like the account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks 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 2022-04-04 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: MD

Complaint narrative:
I am a federally protected consumer. I know my rights and I understand the law and what it entails. I sent in dispute letters requesting fraudulent items to be removed from my consumer report. It has been over 30 days and the items are still furnished on my consumer report. Pursuant to 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave XXXX, XXXX, and Transunion written consent to report anything on my consumer report. No consent is identity theft! If they are not removed I will no longer extend my credit or allow XXXX, XXXX, and Transunion to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX, XXXX, And Transunion allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. There is no way an account that a medical bill breaking my rights due to HIPAA should be placed on my consumer report this is illegal. As well as an account that is a part of a finance charge which is violation my rights and I am owed {$1000.00} per violation for. If XXXX, XXXX, And Transunion wants to continue doing business with me they should delete the inaccurate accounts from my consumer 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 2022-04-04 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: MD

Complaint narrative:
I am a federally protected consumer. I know my rights and I understand the law and what it entails. I sent in dispute letters requesting fraudulent items to be removed from my consumer report. It has been over 30 days and the items are still furnished on my consumer report. Pursuant to 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave Equifax, XXXX, and XXXX written consent to report anything on my consumer report. No consent is identity theft! If they are not removed I will no longer extend my credit or allow Equifax, XXXX, and XXXX to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX, Equifax, And XXXX allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. There is no way an account that a medical bill breaking my rights due to HIPAA should be placed on my consumer report this is illegal. As well as an account that is a part of a finance charge which is violation my rights and I am owed {$1000.00} per violation for. If XXXX, Equifax, And XXXX wants to continue doing business with me they should delete the inaccurate accounts from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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:
1 am so puzzled of what is happening with you ( CFPB ) and the bureau ( XXXX and EQUIFAX ). I've submitted this complaint 3 times & you are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, It's driving me up the wall. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & XXXX and EQUIFAXwith an affidavit & FTC fraudulent report to support my position. It seems XXXX and EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like the account blocked or removed based on XXXX. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: VA

Complaint narrative:
Notice, it is a fact, that, I, XXXX XXXX have been a victim of practices that violate my rights as a consumer. 

Notice, it is a fact, that, I, have made many attempts in good faith to remove the accounts listed from my consumer report and the accounts have remained for over 12 months. 
Notice, it is a fact, that, I, have been denied the right to travel using a vehicle because these accounts remain on my consumer report. 
Notice, it is a fact, that, I, have been denied a home due to the fact that I have these accounts on my consumer report. 
This entire process has caused me nothing but stress and hard times enduring these denials. Not only for me but my family as well. These bureaus have been in the wrong and are breaking the law!!! Accounts that have been removed have been laced back on my account. If one bureau removed everyone has to follow! I threatened to send my certified mail stamps and documentation to CFPB and they finally removed the accounts but the accounts reported right back on my account! These accounts need to be removed, If these accounts are not removed. I will use my documentation and the law to pursue remedy for each violation which is well over {$XXXX} that I have counted in this last year since each violation is worth {XXXX}. I never authorized any credit bureau to furnish a report on my behalf so you are committing identity theft. This is my last time contacting your bureau in good faith. 
If they are not removed, I will no longer extend my credit or allow Equifax, to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By Equifax, allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. If Equifax, and XXXX wants to continue doing business with me they should delete this inaccurate from my consumer report like XXXX has.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I spoke with Navy Federal Credit Union on several occasions and desperately tried to show proof of fraud and dispute transactions done fraudulently, it all started, when I purchased a new XXXX XXXX XX/XX/XXXX from XXXX in the XXXX. I filed a police report the same day at the XXXX precinct because of high call volumes on my account and my XXXX had been previously compromised. I deposited XXXX dollars into my account in XX/XX/XXXX and with the new XXXX I thought I was safe and it would not be compromised. I started using XXXX XXXX because XXXX XXXX and its easier for me to send money. I did not know about the XXXX data breach until later in the year and that's when I noticed something was wrong with so many transfers from my Navy federal Credit Union account . I called them them in XXXX to dispute charges and when it came to the transfers to XXXX XXXX I know that someone was stealing my money. ( MY XXXX WAS COMPROMISED AND CLONED I HAVE PROOF NOW THAT SOMEONE USING MY IMEI AND PHONE NUMBER MADE TRANSFERS WITHOUT MY PERMISSION. I AM FILING ANOTHER POLICE REPORT. NAVY FEDERAL CREDIT UNION RESPONSED IF I MADE ONE MISTAKE REGARDING WHICH TRANSACTIONS WAS FRAUD THEY WOULD DENY MY ENTIRE FRAUD CLAIM WHICH THEY HAVE ON MORE THAN TWO TIMES. MY SECURE CREDIT CARD ALSO HAD A FRAUD AMOUNT ON XX/XX/XXXX FOR XXXX XXXX FOR XXXX WHICH SOMEONE CREATED A XXXX XXXX AND USED MY NAME AND A DIFFRENT TELEPHONE NUMBER. THAT MONEY WAS REFUNDED AND THAT IS THE ONLY AMOUNT THAT NFCU HAS RETURNED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
To Whom this may concern I had been dealing with some bad Identity Theft issues from XXXX. I had my credit cards and bank accounts compromised with my Social Security as well. I've had accounts opened in my name fraudulently and someone trying to purchase a car with my information. Since then I had those accounts removed from my name and resulted in my favor. I was overseas in 2021 had my phone stolen along with my laptop as well. I found two more accounts that where compromised which are XXXX and XXXX XXXX. I've already finished my investigation with XXXX XXXX and got the account reimbursed and all my payments back that where taken out my account and got my XXXX account reopened. XXXX is giving me a hard time regarding these unauthorized these transactions and payments taken out my bank account. I was told I'm not responsible for unauthorized transactions yet XXXX wants to hold me liable. Since XXXX is making things difficult I've attached a FTC AND POLICE report showing proof I'm a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Called the company on several occasions. XXXX, XXXX and XXXX. Given the runaround about proof of account and actual balance. Unable to get anything in writing. Called back again and was told they had my email wrong. After waiting several weeks, I still received no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: FL

Complaint narrative:
I made a dispute on XX/XX/2022 for the amount of {XXXX} somebody by the name of... sent them self money today date XX/XX/2022 somebody by the name of... sent them self XXXX they changed my password in was log in else where! I just recently changed my email in change my password but I didnt do any of these transactions in I want my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: International Computer Systems, Inc.
State: AR

Complaint narrative:
First Collection Services located at XXXX XXXX XXXX XXXX in XXXX, AR. XXXX is refusing to remove collection activity that was placed on my credit report. Payments was made directly to and accepted by the XXXX  XXXX XXXX XXXX XXXX. First Collection Services did not accept any form of payment for either of the two accounts. 

These two collection activities reported by First XXXX Collection Services should be removed from my XXXX, XXXX, XXXX and any other credit reports, as they did not accept payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: VA

Complaint narrative:
Notice, it is a fact, that, I, XXXX XXXX have been a victim of practices that violate my rights as a consumer. 

Notice, it is a fact, that, I, have made many attempts in good faith to remove the accounts listed from my consumer report and the accounts have remained for over 12 months. 
Notice, it is a fact, that, I, have been denied the right to travel using a vehicle because these accounts remain on my consumer report. 
Notice, it is a fact, that, I, have been denied a home due to the fact that I have these accounts on my consumer report. 
This entire process has caused me nothing but stress and hard times enduring these denials. Not only for me but my family as well. These bureaus have been in the wrong and are breaking the law!!! Accounts that have been removed have been laced back on my account. If one bureau removed everyone has to follow! I threatened to send my certified mail stamps and documentation to CFPB and they finally removed the accounts but the accounts reported right back on my account! These accounts need to be removed, If these accounts are not removed. I will use my documentation and the law to pursue remedy for each violation which is well over {XXXX} that I have counted in this last year since each violation is worth {XXXX}. I never authorized any credit bureau to furnish a report on my behalf so you are committing identity theft. This is my last time contacting your bureau in good faith. 
If they are not removed, I will no longer extend my credit or allow XXXX, to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX, allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. If XXXX, and XXXX wants to continue doing business with me they should delete this inaccurate from my consumer report like transunion has.

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 2022-04-04 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-04 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-04 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: NC

Complaint narrative:
On XX/XX/22 I sent a Dispute to all 3 Credit Bureaus regarding XXXX XXXX. I did not get a response from XXXX and Equifax because I had forgotten to put my social security number and DOB. XXXX investigated that dispute, and there results yielded a deletion of the account. It is my understanding that if a credit bureau deletes an item, they are supposed to notify the other bureaus. 

On XX/XX/22 I sent the attached letter with my correct personal information. In that letter, I included the results from XXXX. Both XXXX and Equifax have responded " Verified as Accurate '' However, did they even consult with XXXX? They deleted the account for a reason. I would assume if XXXX deleted the record, that there is some reason for the deletion and it should be concluded that the same should result from Equifax and XXXX. I feel as if I did not have a thorough reinvestigation and Equifax and XXXX did not consult with XXXX at all. 

I also certify, that I am Indeed the Consumer submitting this complaint and not a 3rd party or credit repair company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-04 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: NC

Complaint narrative:
On XX/XX/22 I sent a Dispute to all 3 Credit Bureaus regarding XXXX XXXX I did not get a response from Experian and XXXX because I had forgotten to put my social security number and DOB. XXXX investigated that dispute, and there results yielded a deletion of the account. It is my understanding that if a credit bureau deletes an item, they are supposed to notify the other bureaus. 

On XX/XX/22 I sent the attached letter with my correct personal information. In that letter, I included the results from XXXX. Both Experian and XXXX have responded " Verified as Accurate '' However, did they even consult with XXXX? They deleted the account for a reason. I would assume if XXXX deleted the record, that there is some reason for the deletion and it should be concluded that the same should result from XXXX and Experian. I feel as if I did not have a thorough reinvestigation and XXXX and Experian did not consult with XXXX at all. 

I also certify, that I am Indeed the Consumer submitting this complaint and not a 3rd party or credit repair company.

Company response to consumer: Closed with explanation