vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/XXXX XXXX XXXX  Account number XXXX OPENED XXXX XXXX XXXXXXXXXXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT NUMEBER XXXX ... OPENED XXXX  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. I have also filed a complaint with the CFPB Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN # XXXX DATE OF BIRTH XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
CC : XXXX XXXXXXXX XXXX Fraudulent Client Account # XXXX XXXX Account # XXXX Fraudulent Claimed Amount {$520.00} First and foremost, XXXX XXXX XXXX  XXXX have no federal, state and chartered authority to request Personal Identifiable Information ( PII ) from any U.S. consumer such as my SSN, DOB, Drivers License, as such.

If you can not be trusted in small matters { i.e., utility bills ) ; who will trust you ; or debt collection firm in large matters. { i.e., Privacy laws } * The Privacy Act of 1974, as amended, 5 U.S.C. 552a As a any prudent U.S. citizen do, XXXX XXXX XXXX XXXX completed a annual credit check ; to preserve & protect my identity and good name. A debt collection company named " XXXXXXXX XXXX XXXX, located in XXXX, Washington, falsely claimed that XXXX XXXX XXXX owned & owed some commercial property in the state of Georgia ; as well as, XXXX XXXX had a utility account with the XXXX XXXXXXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XXXX and XXXX we tried to use the XXXX application. We were scamed by a scammer who enter our computer and we transferred around XXXX or XXXXXXXX XXXX  via XXXX and wired. We were not reimbursed, we are out the money. We tried to get Bank of America to get our money back, but it was gone. The scammer took it all. Who knows where it is now.

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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim is ID Theft. I have reached out to all 3 agencies and froze my accounts. Experian has locked me out of my membership account. This issue was sent to their Escalation Department for review and solution. I am concerned that the criminals now have access to my membership account and I can not get any answers from Experian about getting my login credentials working again. As a victim of identity theft I need to be able to access Experian because it is the largest of the three reporting agencies. All three of these companies collect very sensitive information on every American and yet they all have had hackers easily steal this sensitive data*. There has to be a better solution. But for now, all I am requesting is to have the ability to access my own personal account at Experian. 

*Experian acknowledged that their security failure persisted for over seven weeks, between XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX ( Experian sister company ) had a data breach that occurred between XXXX and XX/XX/XXXX. 

XXXX was hacked in XX/XX/XXXX and was held ransom by the hackers. 

Thank you, 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 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
a debit card account was opened in my name under chase bank. 
I have contacted them i will be filling a police report as instructed by them on my behalf and provide chase bank with the information with the packet they are mailing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Following Inquires are a violation of my consumer rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The following addresses are also in violation of my consumer rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX XXXX XXXX The following employers listed on my credit report are a violation of my consumer rights XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX The following personal information listed on my credit report are a violation of my consumer rights 1986 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies. A person shall 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. 
I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number # XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to you regarding my recent credit report. I found some discrepancies with several of accounts that are being reported on the major credit bureaus. According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report and there is a requirement to remove any information that is remotely untrue, inaccurate, and unverifiable

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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to you regarding my recent credit report. I found some discrepancies with several of accounts that are being reported on the major credit bureaus. According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report and there is a requirement to remove any information that is remotely untrue, inaccurate, and unverifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: SC

Complaint narrative:
Following up on contents received as a result of CFPB complaint XXXX. I am a victim of identity theft. XXXX XXXX XXXX, XXXX, and Equifax had no consent to report this alleged account. The alleged lease agreement does not permit sharing my information with the third parties. And I never consented to share any information. 
The account cant be verified due to an inaccurate and incomplete itemized account statement. How was this verified? Charges highlighted in box labeled charges on exhibit A are inconsistent with the same alleged additional charges highlighted on exhibit A and exhibit B. I never received supporting documentation evidencing the dates alleged charges occurred. How can this be accurate and what method was used to verify accuracy every time I disputed this account? 
This company also keep reinserting the fraudulent account information without sending me supporting documentation of any of their results, further damaging my credit score and financial reputation. XXXX deleted this fraudulent account months ago but XXXX and equifax refuse to perform a INVESTIGATION! I am concerned that XXXX, Equifax, and XXXX are coercing me to pay a fraudulent debt by refusing to perform a reasonable investigation. This company also violated 15 USC 1681 ( b ) Permissible purposes of consumer report, I never gave this company XXXX written consent to report this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: LEXISNEXIS
State: SC

Complaint narrative:
Following up on contents received as a result of CFPB complaint XXXX. I am a victim of identity theft. XXXX XXXX XXXX, XXXX, and XXXX had no consent to report this alleged account. The alleged lease agreement does not permit sharing my information with the third parties. And I never consented to share any information. 
The account cant be verified due to an inaccurate and incomplete itemized account statement. How was this verified? Charges highlighted in box labeled charges on exhibit A are inconsistent with the same alleged additional charges highlighted on exhibit A and exhibit B. I never received supporting documentation evidencing the dates alleged charges occurred. How can this be accurate and what method was used to verify accuracy every time I disputed this account? 
This company also keep reinserting the fraudulent account information without sending me supporting documentation of any of their results, further damaging my credit score and financial reputation. XXXX deleted this fraudulent account months ago but XXXX and XXXX refuse to perform a INVESTIGATION! I am concerned that XXXX, XXXX, and XXXX are coercing me to pay a fraudulent debt by refusing to perform a reasonable investigation. This company also violated 15 USC 1681 ( b ) Permissible purposes of consumer report, I never gave this company XXXX written consent to report this alleged account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
please remove these unauthorized credit inquiries from my personal credit file. I have no knowledge and did not authorize these transactions. 

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 2023-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: MI

Complaint narrative:
I was looking at my current credit reports and noticed a new collection that Ive never received any communication about from Enhanced Recovery Co. It says for XXXX and the amount is {$530.00}. I check my reports weekly and this just arrived at the end of XXXX but on my credit report on XXXX it states it was opened in XX/XX/2023. I called XXXX and they have no knowledge of this supposed debt so I believe this is either someone else 's debt or identity theft. This is hurting my ability to get credit from anyone and I would like it removed since it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: IL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Self Financial Inc.
State: AZ

Complaint narrative:
I opened an account with self inc. It is advertised with making a small payment into a savings account, set amount per month and then gives you positive payment on your credit file. They allow you to make payments monthly and can pay it off sooner and get your payout quicker from your savings. This is the issue I completed my savings early, the company sent me an email advising i would get my payout deposited on XX/XX/2023. 
I got a second email requesting to prove my identity. In the email i need to provide my social security card, id, photo of me holding my id and a copy of my bank statements. 

All those things right there, they can steal your identity. 

I called the company, the women who i spoke with advised me i would not get my payout of their program till i supplied all that info. This part was not in any documentation! They have XXXX dollars of my money that belongs to me. 

i supplied the documents, but on the bank statement i redacted all the info except what they requested. it showed the checking account number i made the payments from as well as, where they took out the payments from my account. They contacted me today and advised that wasn't good enough. I have all their emails Very misleading company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: Medical Data Systems, Inc.
State: NC

Complaint narrative:
XX/XX/2023 XXXX XXXX Dear Sir or Madam : I am the victim of identity theft. I am writing to dispute fraudulent charges on my credit reports for the reporting providers listed below : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Medical Data Systems : XXXX XXXX XXXX, XXXX XXXX XXXX, Al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 19034 15 USC 1681 Section 604 States rights to consumers privacy Reporting agencies can not furnish an account WITHOUT my written consent!

I am requesting that the charge be removed from each reporting agency. I have not received any account number or correspondence regarding these accounts. Pursuant to the law, I am providing you with the following documentation, so that you can verify my identity : ( A ) A copy of my drivers Please investigate this matter and correct the fraudulent charges/debit as soon as possible. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: NV

Complaint narrative:
In accordance with the Fair credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A.States i have the rights to privacy.

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

15 U.S.C 1681c ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consmer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I as a consumer have the right to privacy and Capital One has violated my right to privacy by furnishing private credit information under my name without my written consent or without authorization by a competent court having jurisdiction. Capital One was sent my proof of identity, identity theft report, and identification and a statement of what the law requires. They are required to black and delete these accounts within four business days of receiving my notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02 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:
XXXXm honesty stumped. 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 Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : Inaccurate Names : XXXX XXXX, XXXX XXXX, XXXX XXXX : Inaccurate Addresses : XXXX XXXX XXXX XXXX, FL XXXX ; Accounts : XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$210.00}, XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5700.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$36000.00}, XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX Owed : {$2700.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$540.00} ; Inquiries : XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX - XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have disputed two accounts off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These two accounts do not belong to me.

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