vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 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: NC

Complaint narrative:
I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, XXXX and TransUnion Credit Bureaus. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX CA ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; Chapter XXXX Bankruptcy Reference XXXX : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2022-07-12 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: NC

Complaint narrative:
I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, Equifax and XXXX Credit Bureaus. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX  CA ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: NJ

Complaint narrative:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Experian and XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXXXXXX XXXX. I believe it was reporting in error. 
XXXX XXXXXXXX XXXX Balance : {$680.00}

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 2022-07-12 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: NJ

Complaint narrative:
Upon reviewing my reports, incorrect information are being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit 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 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 XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12 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: NJ

Complaint narrative:
Upon reviewing my reports, incorrect information are being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit 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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: NJ

Complaint narrative:
I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ 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 2022-07-12 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:
my rights are being Violated and I keep being told that the account is verified I am not asking for verification Im requesting for DELETION BECAUSE I DID NOT GIVE WRITTEN consent for any of this to be finished on my credit report CREDIT BEAURU XXXX already deleted a couple Im request for the others to follow In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX for XXXX XXXX XXXX, XXXXXXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, Child support Enforcement # XXXXXXXX XXXX  # US DEPT. OF Ed # ending XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLLECTION SERVIC XXXX # XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX I have written to them several times and call them to send me proof that this is in fact my debt. No XXXX time they sent me a contract with my information and signature. This has caused harm to my credit profile and prevented me from getting favorable debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX FL XXXX : Account # XXXX, has violated FDIC 18 USC 894 and FDCPA 15 USC 1692e. 

15 USC 1692e : False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

18 USC 894 : Collection of extensions of credit by extortionate means ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 

I sent XXXX XXXX XXXX FL XXXX a dispute in regards to this account, which was delivered on XX/XX/XXXX as per XXXX tracking number XXXX. As of today, the account has yet to be updated on my consumer reports as disputed by consumer in accordance with 15 USC 1692e. Also, the company has sent me a Non-payment notice which states that I could be subject to negative credit bureau reporting if I do not pay the debt by a certain date, which is a form of punishment for non-repayment, pursuant to 18 USC 894. 

The violations mentioned are grounds for removal and deletion of the above referenced account on all of my consumer reports. 

Please see attachments as they contain supporting evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX FL XXXX : Account # XXXX, has violated FDIC 18 USC 894 and FDCPA 15 USC 1692e. 

15 USC 1692e : False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

18 USC 894 : Collection of extensions of credit by extortionate means ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 

I sent XXXX XXXX XXXX FL XXXX a dispute in regards to this account, which was delivered on XX/XX/XXXX as per XXXX tracking number XXXX. As of today, the account has yet to be updated on my consumer reports as disputed by consumer in accordance with 15 USC 1692e. Also, the company has sent me a Non-payment notice which states that I could be subject to negative credit bureau reporting if I do not pay the debt by a certain date, which is a form of punishment for non-repayment, pursuant to 18 USC 894. 

The violations mentioned are grounds for removal and deletion of the above referenced account on all of my consumer reports. 

Please see attachments as they contain supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX FL XXXX : Account # XXXX, has violated FDIC 18 USC 894 and FDCPA 15 USC 1692e. 

15 USC 1692e : False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

18 USC 894 : Collection of extensions of credit by extortionate means ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 

I sent XXXX XXXX XXXX FL XXXX a dispute in regards to this account, which was delivered on XX/XX/XXXX as per XXXX tracking number XXXX. As of today, the account has yet to be updated on my consumer reports as disputed by consumer in accordance with 15 USC 1692e. Also, the company has sent me a Non-payment notice which states that I could be subject to negative credit bureau reporting if I do not pay the debt by a certain date, which is a form of punishment for non-repayment, pursuant to 18 USC 894. 

The violations mentioned are grounds for removal and deletion of the above referenced account on all of my consumer reports. 

Please see attachments as they contain supporting evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account, XXXX, XXXX, XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 

XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX Account Type : XXXX XXXX XXXX XXXX Account # : XXXX Account Type : Installment XXXX Account # : XXXX XXXX Account Type : IXXXX XXXX XXXXXXXX  Account Type - Detail : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All Banks : XXXX  XX/XX/XXXX Bank XXXX Cards : XXXX XXXX  XX/XX/XXXX Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Auto Dealers, Used : XXXX XXXX XX/XX/XXXX Auto Dealers, New : XXXX XXXX  XX/XX/XXXX Bank Credit Cards : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Bank Credit Cards : XXXX XXXX XXXX XXXXXX/XX/XXXX Bank Credit Cards : XXXX XXXX XXXXXX/XX/XXXX Bank XXXX Cards : XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, Used : XXXX XXXX XX/XX/XXXX XXXX Dealers, New : XXXX TV XX/XX/XXXX Credit Cards Issued By XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Used : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX Credit Card : XXXX XXXX XXXX XXXXXX/XX/XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Auto Dealers, New : XXXX XXXXXX/XX/XXXX Tenant Screeners : XXXX XX/XX/XXXX Personal XXXX Companies : XXXX XX/XX/XXXX Credit Bureau/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Auto Dealers, Used : XXXX OF XXXX XX/XX/XXXX Auto Dealers, New : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: AL

Complaint narrative:
XXXX XXXXXXXX XXXX is currently showing XXXX late payments on Transunion XXXX for XX/XX/XXXX which I explained to XXXX XXXX XXXX that I did not receive my card in the mail at that time and it shouldn't be reporting as past due and XX/XX/XXXX which I explained that I was affected by XXXX XXXX and this should be Covid protected. XXXX is showing XXXX late payment for XX/XX/XXXX which should be Covid Protected and XXXX is showing XX/XX/XXXX which should be Covid Protected. This is a violation of my rights under the Fair Credit Reporting Act 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive Practices There is abundant evidence of the use of abusive, deceptive and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. 15 US Code 1666b- ( A ) Timing of Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed and delivered to the consumer not later than 21 days before payments due date. 15 US Code 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXXXXXX XXXX XXXX is currently showing XXXX late payments on XXXX XXXX for XX/XX/XXXX which I explained to XXXX XXXX XXXX that I did not receive my card in the mail at that time and it shouldn't be reporting as past due and XX/XX/XXXX which I explained that I was affected by XXXX XXXX and this should be Covid protected. Equifax is showing XXXX late payment for XX/XX/XXXX which should be Covid Protected and XXXX is showing XX/XX/XXXX which should be Covid Protected. This is a violation of my rights under the Fair Credit Reporting Act 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive Practices There is abundant evidence of the use of abusive, deceptive and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. 15 US Code 1666b- ( A ) Timing of Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed and delivered to the consumer not later than 21 days before payments due date. 15 US Code 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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:
XXXXXXXX XXXX Account XXXX xxxxxxxx XXXX I wrote to Equifax on more than XXXX occasion informing them that this is not my debt and I am not responsible for this debt. This is actually my ex-girlfriends debt and I would like it removed from credit report. They have not done so. I did not apply for this debt and I am not liable for this debt so I don't understand why they won't remove it from my credit report.

Company response to consumer: Closed with explanation