vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please update this account : XXXX XXXX XXXX XXXX Open Date XX/XX/ Balance : {$14000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: SC

Complaint narrative:
I want the hard inquiries off my file please

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 2023-06-01 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: SC

Complaint narrative:
I want the hard inquiries off my file please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: TX

Complaint narrative:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please delete the following items for they are fraudulent and still keeps existing in my file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX : {$28000.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance XXXX {$790.00} XXXX XXXX  XXXX Balance : {$28000.00}

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 2023-06-01 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: PA

Complaint narrative:
All my personal information for all three credit bureaus was not correct.

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 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is the several time I've complained about the items needing to be removed from my credit report, and yet no changes were made, and it keeps appearing in my credit report despite being fraudulent. 

I want the following items removed from my file immediately : 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 XXXX 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 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is the several time I've complained about the items needing to be removed from my credit report, and yet no changes were made, and it keeps appearing in my credit report despite being fraudulent. 

I want the following items removed from my file immediately : 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 XXXX 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 2023-06-01 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-01 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: SC

Complaint narrative:
I want the hard inquiries off my file please

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 2023-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: MN

Complaint narrative:
I have never conducted business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

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 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I received a prepaid gift card from a family member as a gift on XX/XX/2023. It was purchased in XXXX XXXX  I believe on that day. 
After about a week I attempted to use the card and it was declined. I found after checking the balance that all the funds ( {$200.00} ) were fraudulently spent on the card before I even removed it from the packaging. There were two transactions on the card draining all {$200.00} before I even tried to use it the first time. 
I read the terms and conditions with the card and followed their instructions to report the fraud and file a claim to recover the funds. 
After receiving a case number from the representative, I sent the case number and details to the email they instructed. 
I was told I would receive an update in 7-10 days on XX/XX/2023. 
I followed up two more times and have not received any response at all. It has been nearly three months and I have not been contacted at all.

The card company will not respond to me and I have no status. It seems they are ignoring me on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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:
XXXX  XXXX XXXX reported my XX/XX/2023 mortgage payment as late to XXXX. My XXXX payment was made on time ( XX/XX/XXXX ) and in full ( {$1900.00} ) as reflected on XXXX  XXXX XXXX 's own ledger ( attached ) and my bank statements ( attached ). I reached out to XXXX  XXXX XXXX on multiple occasions ( by phone and in writing ) to ask for a correction but they refused. I disputed the late payment with Equifax and received notification that XXXX  XXXX XXXX had verified the information as being reported correctly. The late payment is still reflected on Equifax report and both Equifax and XXXX  XXXX XXXX refuse to make this right. This is ruining my credit and preventing me from obtaining the credit I need to provide for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
The Vehicle from original creditor, Bridgecrest ( XXXX XXXX XXXX ) was repo 'd in XXXX. I never received notice that the vehicle was sold nor what the remaining balance was after it was sold. Bridgecrest THEN sold my information without my knowledge to a third party ( XXXX XXXX XXXX ). The account has been reported as a charge off and NOT a repo. It was repo 'd and I do not have the vehicle in my possession. Also with the vehicle being reported as a charge off, the third party company is reporting it as an open collection account. How is it open, but reported as a loss/charge off? XXXX XXXX XXXX has also pulled my credit report on multiple occasions without my permission. They have also failed to provide me original documentation on the purchase of the debt and my original contract. Bridgecrest is a predatory loan servicer conducting illegal business and sells your information post repo after claiming a loss on their taxes. So they have also conducted tax fraud. Also in the month of XXXX ( XXXX ), XXXX XXXX XXXX falsely reported my account as 120 days past due. The vehicle was repo 'd THEN charged off in 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 2023-06-01 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: MN

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block 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 relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX ; XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX Balance Owed : {$900.00} ; XXXX XXXX BalanceOwed : {$980.00} ; XXXX XXXX Balance Owed : {$5600.00} ; XXXX Balance Owed : {$6700.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
USAA allowed fraudulent activity on my account. Someone, unknown to me by the name of XXXX XXXX was able to gain online access to my accounts and attach their account to mine. Thereafter, withdrawing {$35000.00} from my accounts in {$5000.00} increments. USAA did not stop this person from doing so, even after I reported the transactions as fraudulent. I tried putting claims through the fraud department twice to get resolution with USAA, both times I was denied. I am XXXX military in the XXXX XXXX and I have detailed notes on each phone call, email, bank transaction etc. USAA should not be able to get away with this. I have filed a police report, and complaints with the Attorney General, and the Federal Trade Commission. I will be filing with the FBI next as well as reviews on every platform I can access. The world should know that their money is not safe with USAA and USAA does not take care of its members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: Self Financial Inc.
State: IN

Complaint narrative:
These two companies have provided false information to the credit bureaus. Basically, every time I dispute the information and tell them that these are not my accounts they modify their reports to give the impression that I have been actively making payments on the accounts. However, I never made any of these payments recorded in these accounts because these accounts do not belong to me. Also, these companies will update the " date '' that the account was opened to further give the deceptive appearance that I recently opened up these accounts. I even hired a law firm to dispute these accounts and they were not able to get them removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Phone Number ( XXXX ) XXXX This company also refuses to remove information off of my credit reports, after I disputed the account as not being mines and the information being inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX UT XXXX Phone Number ( XXXX ) XXXX Furthermore, none of these companies will provide me with documents proving that I opened these accounts and made payments to these accounts. 

I never gave any of these companies permission to make any of these reports to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: HI

Complaint narrative:
Hi, I have gotten a notice from XXXX  stating my student loan that I had with them of {$28000.00} has been paid in full, I also have an online account with XXXX and still till today, when I log in, it's stating that my balance that I owe is {$0.00}. Per XXXX they had reached out to all three credit report bureaus to inform them of this information. XXXX and XXXX has showed the correct update of that balance of {$28000.00} being paid in full but XXXX is still showing that I have a balance with XXXX XXXX XXXXXXXX of {$28000.00}. I've been calling and speaking with the rude agents at XXXX and they are stating thaXXXX XXXX had updated them on XX/XX/23 stating that I still have a balance with them which is incorrect. At this point I don't know what to do, I'm literally being tossed around and getting absolutely no where. I would gladly appreciate if you can please help me with this issue. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: TN

Complaint narrative:
At the end of XXXX I experienced a life changing event that put me in a position unknown and scary. I had to figure out how to provide for myself and family on my own so I got credit reports from all 3 bureau. I was devastated. I had looked at all 3 scores in XX/XX/XXXX and my score was a XXXX. Anyway, I called all 3 and tried to update the information and get incorrect information removed. There are 2 social security numbers on one report and a mans name. I sent out letters to all 3 disputing information and asking for validation. 
One account XXXX XXXX XXXX opened a file on XXXX XXXX from XXXX XXXX XXXX one balance is XXXX and the balance they say I owe is XXXX. I am going to include 3 more accounts from XXXX XXXX XXXX showing two balances. # 3 XXXX XXXX XXXX XXXX XXXX one balance XXXX XXXX XXXX # 2 XXXX XXXX XXXX XX/XX/XXXX one XXXX one XXXX lastly XXXX XXXX XXXX XX/XX/XXXX one XXXX one XXXX. I have never signed anything stating they could add fines, fees, penalties. I thought that was incorrect policy according to the FCRA. 
Now I have 25 hard credit pulls to date. I am trying to fix my credit not take on more than I can afford. I never authorized those. All of this has been devastating. I started my own business on XX/XX/XXXX and have no way to fund it or move forward because of the lack of responsibility to MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief