vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 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:
I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. Equifax is violating my federally protected rights per 15 USC 1681 by reporting inaccurate incomplete and fraudulent information to my credit report that is being furnished by unauthorized and predatory 3rd party companies. I have been disputing these accounts as fraud since XX/XX/XXXX. I have yet as of XX/XX/XXXX received any proof of permissible purpose for reporting these fraudulent accounts. Every time I write to or call equifax they claim information being reported has been validated but I have yet to receive any documentary evidence that supports the permissible purpose of this information being reported or furnished on my equifax credit report which not only violates the FCRA but also the FDCPA per 15 USC 1692. If the companies furnishing these accounts to equifax are not able to provide debt validation or proof that they are the original holder of the note of indebtedness that legally allows them to still be able to collect or retain the debt, then the accounts shall be deleted immediately. Equifax seems to lack impartiality as they have been claiming for over a year that these debts have been validated without permissible purpose or evidence because they are gaining financially from these unauthorized third-party companies who pay Equifax to report fraudulent consumer credit transaction history. Please see attached notarized identity theft complaint and affidavit, identification documents such as NJ issued driver 's license and my current insurance bill, as well as all police reports, FTC identity theft and fraud complaints, and CFPB complaints that have been received by equifax and all unauthorized 3rd parties listed in the notarized affidavit and complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Miss-information present on my Experian credit report regarding all my student loans with XXXX. 

It is stating " Payment Deferred '', showing on XXXX different Student Loans managed through XXXX  " Opening Dates : Balance '' : XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$4500.00} XX/XX/XXXX : {$4000.00} XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00}

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 2022-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: TX

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I'm filing this complaint with the CFPB against Hunter Warfield , Inc. because they have failed a requirement in the Fair Debt Collection Practices Act ( FDCPA ) sending me written notice containing 1. a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 2. a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and 3. a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I received the initial communication via email on XX/XX/2022, which I have attached and labeled as Exhibit A. These failed requirements were not included in the initial communication by Hunter Warfield , Inc. which they are required to be ( 15 USC 1692g ( a ) ). Although, Hunter Warfield , Inc. failed their requirement, I thankfully knew and asserted my rights, and asked for validation of debt, which I have attached and labeled as Exhibit B. I mailed this letter on XX/XX/2022 and it was received by Hunter Warfield , Inc. on XX/XX/2022. I sent the letter via certified mail with return receipt, which I received back not properly filled out with a name of who received it, which I have attached and labeled as Exhibit C. On XX/XX/2022, Hunter Warfield , Inc. sent me an encrypted message stating that they enclosed a validation of debt. Upon further inspection, they didn't include a trilateral agreement that I had requested them to provide that I am obligated to pay their company. They only provided a 'Statement of Account ', 'Apartment Lease Contract ' , & 'Signature Details ' which states that I owe an alleged debt to XXXX XXXX, which I have attached and labeled as Exhibit D. I sent Hunter Warfield, Inc. an Opportunity to Cure letter on XX/XX/2022, which I have attached and labeled as Exhibit E. Hunter Warfield , Inc failed to provide a trilateral contract with my signature, or anything else proving that I am legally obligated to pay this company. Hunter Warfield , Inc. received my letter on XX/XX/2022 via tracking and return receipt, which is attached and labeled as Exhibit F. Once Hunter Warfield , Inc. received my letter, they did not respond back. Now, on XX/XX/2022, I found that Hunter Warfield, Inc. is trying to collect without verification of debt, which they have not provided by debt parking this account on my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
Tittle : Debt Validation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Stating your claim is disputed and validation is requested. 

This is not a request for Verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above- named title and section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus { XXXX, XXXX, or XXXX ) this action may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices can provide the proper documentation as requested in the following declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit a credit reporting repository that could be inaccurate or invalidated. 

If your offices fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: VA

Complaint narrative:
The is an account on my credit XXXX XXXX and it was closed now they have reopened it. I would like it removed from my XXXX XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: MO

Complaint narrative:
It has been a battle going through all this and I have been suffering since the Credit Bureaus have done nothing! Despite the numerous attempts to contact the Credit Bureaus and request for the correction of the accounts reporting erroneous information on my Credit File, the Credit Bureaus have done nothing! It has been 6 months since I started disputing my Credit Files and yet they have been persistent with ignoring my Requests as well as they have been claiming that the disputed items are verified. However, the Credit Bureaus have not sent me copies of proof of verification as a result of their investigation. I am submitting this 11th CFPB complaint to order the Credit Bureaus to either correct the disputed items from erroneous reporting or completely remove these items from my Credit File since the Credit Bureaus have failed to " VERIFY '' these items. Either way, I need my Credit File corrected as soon as possible. I need you to correct and or remove the following items as soon as possible : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2022-11-10 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: MO

Complaint narrative:
It has been a battle going through all this and I have been suffering since the Credit Bureaus have done nothing! Despite the numerous attempts to contact the Credit Bureaus and request for the correction of the accounts reporting erroneous information on my Credit File, the Credit Bureaus have done nothing! It has been 6 months since I started disputing my Credit Files and yet they have been persistent with ignoring my Requests as well as they have been claiming that the disputed items are verified. However, the Credit Bureaus have not sent me copies of proof of verification as a result of their investigation. I am submitting this 11th CFPB complaint to order the Credit Bureaus to either correct the disputed items from erroneous reporting or completely remove these items from my Credit File since the Credit Bureaus have failed to " VERIFY '' these items. Either way, I need my Credit File corrected as soon as possible. I need you to correct and or remove the following items as soon as possible : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
On XX/XX/2018 someone used my Identity for open this account that its FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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 am writing this account for the record as my personal statement in reference to fraud that I have been a victim of. I am a victim of identity theft. My personal information was exposed on the dark web by XXXX information services and this has led to someone opening a fraudulent loan under my name. This appears on my Experian credit report # XXXX Here is the account information listed below : Account name : XXXX XXXX XXXX Account number : XXXX Account type : Auto Loan Responsibility : Joint Date opened : XX/XX/2015 This account is appearing as a joint loan with no co-buyer on it. This is an error on my report and is hindering my from getting approved for an auto loan. I have filed a report with the FTC Identity theft division Report # XXXX. I have also included a picture of the fraudulent item on my credit report, and proof of my identity for verification purposes in accordance with 15 U.S.C 1681.

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 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My account was hacked there was many transactions on my account was fraud I never made any of theses transactions wells fargo failure to look at my claim I wish they will relook at theses transactions. 3 claims I didn't recognize theses transactions claims are 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 2022-11-09 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: PA

Complaint narrative:
An account was opened in my name and contains errors on my credit report. XXXX bank refuses to provide any info as my information does not match what is in there system. I have been trying for two weeks and they tell me that they transferred the account to a collection agency and the collection agency says they transferred to XXXX bank. When you call XXXX they are now unsure where the account is and need 30 days to locate status of the account while reporting monthly that this account is charged off on my credit reports.

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 2022-11-09 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: PA

Complaint narrative:
An account was opened in my name and contains errors on my credit report. XXXX bank refuses to provide any info as my information does not match what is in there system. I have been trying for two weeks and they tell me that they transferred the account to a collection agency and the collection agency says they transferred to XXXX bank. When you call XXXX they are now unsure where the account is and need 30 days to locate status of the account while reporting monthly that this account is charged off on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: PA

Complaint narrative:
An account was opened in my name and contains errors on my credit report. XXXX bank refuses to provide any info as my information does not match what is in there system. I have been trying for two weeks and they tell me that they transferred the account to a collection agency and the collection agency says they transferred to XXXX bank. When you call XXXX they are now unsure where the account is and need 30 days to locate status of the account while reporting monthly that this account is charged off on my credit reports.

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 2022-11-10 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: EdFinancial Services
State: PA

Complaint narrative:
Miss-information present on my XXXX credit report regarding all my student loans with EdFinancial. 

It is stating " Payment Deferred '', showing on XXXX different Student Loans managed through EdFinancial " Opening Dates : Balance '' : XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$4500.00} XX/XX/XXXX : {$4000.00} XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX 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 monetary relief
Consumer complaint received 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Loss of job, house, and wages due to COVID- 19, Since then I have been declared XXXX XXXX XXXX and now I am on a set income from the government and deem totally disable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: Early Warning Services, LLC
State: GA

Complaint narrative:
I recently disputed this fraudulent account with this company and they failed to provide the accuracy and completeness of the investigation by validating the 100 % correctness of the account. They stated it was verified with no facts or a method of verification behind it. All is being investigated by the ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I received my credit report and the following is INACCURATE. According to The United States code 15 U.S.C 1681 a.1.a the following accounts I have disputed most be removed. Also all closed accounts must be removed. 15 U.S.C 1681 section 604 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-10 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: NJ

Complaint narrative:
I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. Transunion is violating my federally protected rights per 15 USC 1681 by reporting inaccurate incomplete and fraudulent information to my credit report that is being furnished by unauthorized and predatory 3rd party companies. I have been disputing these accounts as fraud since XX/XX/XXXX. I have yet as of XX/XX/XXXX received any proof of permissible purpose for reporting these fraudulent accounts. Every time I write to or call Transunion they claim information being reported has been validated but I have yet to receive any documentary evidence that supports the permissible purpose of this information being reported or furnished on my transunion credit report which not only violates the FCRA but also the FDCPA per 15 USC 1692. If the companies furnishing these accounts to Transunion are not able to provide debt validation or proof that they are the original holder of the note of indebtedness that legally allows them to still be able to collect or retain the debt, then the accounts shall be deleted immediately. Transunion seems to lack impartiality as they have been claiming for over a year that these debts have been validated without permissible purpose or evidence because they are gaining financially from these unauthorized third-party companies who pay Transunion to report fraudulent consumer credit transaction history. Please see attached notarized identity theft complaint and affidavit, identification documents such as NJ issued driver 's license and my current insurance bill, as well as all police reports, FTC identity theft and fraud complaints, and CFPB complaints that have been received by Transunion and all unauthorized 3rd parties listed in the notarized affidavit and complaint.

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