vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We put a post for subleasing a private room on XXXX XX/XX/2022. We received a response over text that they are interested in the room. 
They said they will be getting a check from their corporate company to pay for the Accomodation and personal travel expenses. 
They asked me to deposit the check which I did on XX/XX/2022 and the bank ( Chase bank ) confirmed and deposited the XXXX $ on XX/XX/2022. The person requested me to send back the remaining amount for personal expenses through XXXX to their agent. I sent them XXXX $ since we had decided that the private room would be sub leased for XXXX XXXX I received a text that they wont be coming and I need to send the remainder of the amount as well. I just realized I have been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: MN

Complaint narrative:
Received, email and several phone calls from Hunter Warfield. They claimed I gave them permission to contact me which I never did. Email was sent to me on XX/XX/2022. The lied about me. Giving them permission to communicate via my email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: CA

Complaint narrative:
This is ridiculous! I have been disputing for the removal of the fraudulent items completely from my Credit File for already a long time and yet the Credit Bureaus have done nothing! I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and infomrmation that resulted due to identity theft. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 attached with my personal identifying documents and the IDTHEFT REPORT I received from the FTC. But despite all these efforts, it is clear that the Credit Bureaus have been slacking and ngeglected their duty with the FCRA. under the provisions of the FCRA section 605b, I need the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX - DEPT OF EDXXXX XXXX Balance {$1300.00} DEPT OF ED/XXXX XXXX Balance {$3100.00} DEPT OF ED/XXXX XXXX Balance {$3800.00} DEPT OF ED/XXXX XXXX Balance {$9000.00} DEPT OF ED/XXXX XXXX Balance {$3300.00} DEPT OF ED/XXXX XXXX Balance {$4900.00}

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 2022-08-29 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: CA

Complaint narrative:
I am submitting this CFPB complaint to follow up the previous complaint I submitted on XX/XX/2022 requesting for the removal of the fraud items completely from my Credit Report. I, once again, sent a letter to the Credit Bureaus requesting that they remove the disputed fraudulent items from my Credit report. Because of the multiple letters I have been sending to the Credit Bureaus as well as their previous actions, I came to a conclusion that the Credit reporting Agencies will once again, neglect my requests. With all the letters I have been sending, the Credit Bureaus has never been able to respond even once. Under the FCRA section 605b, the Credit reporting Agencies are required to remove any account and information that resulted due to identity theft. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$23000.00}

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 explanation
Consumer complaint received 2022-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have been disputing several items on my credit report that are incorrect and that are being illegally and inaccurately reported. These fools are making it hard for me to get credit and to be able to be approved for anything. I told them that I was gone reach out to yall because I havent heard anything back from them yet. They are not responding to my letters.I want everything to be adjusted as I have requested in my letters to them immediately!

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 2022-08-29 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have been disputing several items on my credit report that are incorrect and that are being illegally and inaccurately reported. These XXXX are making it hard for me to get credit and to be able to be approved for anything. I told them that I was gone reach out to yall because I havent heard anything back from them yet. They are not responding to my letters.I want everything to be adjusted as I have requested in my letters to them immediately!

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 2022-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I received notice from MIDLAND CREDIT MANAGEMENT. about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to MIDLAND CREDIT MANAGEMENT on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested. 

again on XXXX XXXX I sent MIDLAND CREDIT MANAGEMENT another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and once again they never sent it to me. now please keep in mind they I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for Now this is my third attempt reaching out to MIDLAND CREDIT MANAGEMENT. on XX/XX/2022 for the documentation that i requested months ago asking for VALIDATION and VERIFICATION and once again they haven't sent me the proper documentation that I have been asking for. 

Account Name : MIDLAND CRED Account Number : XXXX IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 


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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: CA

Complaint narrative:
This is ridiculous! I have been disputing for the removal of the fraudulent items completely from my Credit File for already a long time and yet the Credit Bureaus have done nothing! I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and infomrmation that resulted due to identity theft. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 attached with my personal identifying documents and the IDTHEFT REPORT I received from the FTC. But despite all these efforts, it is clear that the Credit Bureaus have been slacking and ngeglected their duty with the FCRA. under the provisions of the FCRA section 605b, I need the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX - DEPT OF EDXXXX XXXX Balance {$1300.00} DEPT OF EDXXXX XXXX Balance {$3100.00} DEPT OF ED/XXXX XXXX Balance {$3800.00} DEPT OF ED/XXXX XXXX Balance {$9000.00} DEPT OF EDXXXX XXXX Balance {$3300.00} DEPT OF ED/XXXX XXXX Balance {$4900.00}

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 2022-08-29 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account whhttps : //portal.consumerfinance.gov/consumer/s/login/ich was 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX AFFIRM INC XXXX Balance : {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: IN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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 2022-08-29 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:
Equifax has been reporting these student loans that I have been. Demanding them to remove. They have already violated millions of consumers rights and dishonored the FCRA. They did not exercise their grave responsibility, they were unfair and they were partial and did not respect my right to privacy. Congressional findings states that i have a right to privacy and i am demnding that it be respected. According to 15 usc 1681b ( a ) ( 2 ) permissable purpose, please show me where I have given written instructions for you to furnish or create this report. Please show me my signature and certifications from the furnishers. I never consented this report in the first place. Remove these accounts that attached immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: TX

Complaint narrative:
XXXX XXXX XXXX has viladate my rights and HIPPA law. Also has not validated my account after I send certified mail.

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 2022-08-29 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: PA

Complaint narrative:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXXXXXXXXXX, 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 2022-08-29 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my numerous endeavor to tell Equifax 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 records 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 an alleged fraud. Pursuant to Section 605B of Fair Credit Reporting Act this unknown account must be deleted : XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: LEXISNEXIS
State: PA

Complaint narrative:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: TX

Complaint narrative:
XXXX XXXX XXXX has viladate my rights and HIPPA law. Also has not validated my account after I send certified mail.

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 2022-08-29 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: TX

Complaint narrative:
XXXX XXXX XXXX has viladate my rights and HIPPA law. Also has not validated my account after I send certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: AZ

Complaint narrative:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX Opened XX/XX/2013 Balance {$0.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My sole proprietor account with Bank of America under the XXXX XXXX XXXX  received a check from a company out of Florida I did some advertising for. I had know knowledge the check was counterfeit and fraudulent. The bank immediately closed my account I need for my business and told me I can not open an account again until 2029. they closed XXXX accounts XXXX for my kids ' as well. I have money and they are giving me a hard time to get my money back which I need now to feed my kids and they informed me it will be a lengthily process where they will have to mail me a check for my money I need now in a month or XXXX. I am not sure whereto cash a check without a fee if they have closed my account and wont give me my money

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