vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-11 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: GA

Complaint narrative:
I have all the credit bureaus and informed them of the idenity theft on credit. They have not assisted me with correcting the information. I don't know what to do next. I need this situation resolved. It is really affecting my life.

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 2022-07-11 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: GA

Complaint narrative:
I have all the credit bureaus and informed them of the idenity theft on credit. They have not assisted me with correcting the information. I don't know what to do next. I need this situation resolved. It is really affecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: NJ

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 15 U.S.C 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 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 2022-07-11 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: NJ

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 15 U.S.C 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 2022-07-11 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: NC

Complaint narrative:
I have reported MULTIPLE times to Experian that there is a XXXX  collection on my credit report that does not belong to me. They dont even investigate it and mark it as verified and updated although I have stated time after time its not mine. I sent another letter XXXX and they sent me an email stating verified and updated although i requested to know how they verified. I am submitting another letter today, XX/XX/22

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 2022-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TrueAccord Corp.
State: LA

Complaint narrative:
As a federally protected consumer, I am highly disappointed and unsatisfied with TrueAccord. My name is XXXX XXXX and I am making this complaint against TrueAccord for violating a cease and desist notice received by their offices XX/XX/2022. I have no recollection of authorizing or giving TrueAccord any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt that claim I owe. I am fully aware that, in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are equally liable for violations pursuant to 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with TrueAccord and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving TrueAccord any right to collect on this alleged debt. I have also never received any documentation requesting validation from TrueAccord before they decided to commit multiple federal violations under the Fair Debt Collection Practices Act. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, all collection activity and communication expect through mail to above address, of this and any alleged debts until TrueAccord can provide me with sufficient documentary evidence that I have any legal obligation to pay them. True Accord has advertised the sale of this alleged debt to coerce payment. I have abundant evidence of the use of abusive and unfair debt collection practices by True Accord ( EXHIBIT A, B, C ). This has led to an invasion and breach of my privacy. If this documentary evidence can not be produced and TrueAccord continues its collection efforts, I will file for arbitration and TrueAccord will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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 NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. I AM FILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TO THE LETTER OF THE LAW '' XXXX, XXXX & TransUnion are failing to comply with FCRA laws & sections. I was the victim of Identity theft & have reported the information to all 3 credit reporting agencies ( CRA ). I've provided them with a police report, identity theft report and identifying documents to substantiate my position. They have failed to provide me with any verifying proof these accounts, which were opened fraudulently, belong to me or I have any legal obligation. The following accounts & addresses were opened without my knowledge, consent or authority & I need them blocked/removed from my credit. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX po box XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm including the police report, identity theft reports & my verifying documents to prove my position. Please see the listed accounts are removed/blocked from my credit report

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 2022-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: MS

Complaint narrative:
XXXX XXXX {$1300.00} I DO NOT AND DID NOT CONSENT TO YOU TO PLACE THIS ON MY CONSUMER REPORT THIS NOTICE IS TO CEASE AND DESIST ALL ILLEGAL ACTIVITIES WHICH INCLUDES REPORTING CONSTITUTEs COLLECTION ACTIVITIES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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:
Illegal inquiries  hard n soft frauds pulls

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 2022-07-11 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: CA

Complaint narrative:
" THIS IS NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. I AM FILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TO THE LETTER OF THE LAW '' Equifax, XXXX XXXX XXXX are failing to comply with FCRA laws & sections. I was the victim of Identity theft & have reported the information to all 3 credit reporting agencies ( CRA ). I've provided them with a police report, identity theft report and identifying documents to substantiate my position. They have failed to provide me with any verifying proof these accounts, which were opened fraudulently, belong to me or I have any legal obligation. The following accounts & addresses were opened without my knowledge, consent or authority & I need them blocked/removed from my credit. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm including the police report, identity theft reports & my verifying documents to prove my position. Please see the listed accounts are removed/blocked from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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 NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. I AM FILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TO THE LETTER OF THE LAW '' XXXX, Experian XXXX XXXX are failing to comply with FCRA laws & sections. I was the victim of Identity theft & have reported the information to all 3 credit reporting agencies ( CRA ). I've provided them with a police report, identity theft report and identifying documents to substantiate my position. They have failed to provide me with any verifying proof these accounts, which were opened fraudulently, belong to me or I have any legal obligation. The following accounts & addresses were opened without my knowledge, consent or authority & I need them blocked/removed from my credit. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm including the police report, identity theft reports & my verifying documents to prove my position. Please see the listed accounts are removed/blocked from my credit report

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 2022-07-11 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:
The Credit Bureaus stated my account was properly investigated, but how is that possible if the Last Date Verified is inaccurate, the Date of Last Activity is inaccurate, the date Opened reported is inaccurate, the Account Status is reported inaccurate, and Creditor Remarks is reported inaccurate. This is grounds for removal in addition to violating my rights : 15 U.S.C. 1681 Section 602 A, States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/2022 I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on accounts I have listed below. After which I also filed a complaint with the CFPB ( Consumer Financial Protection Bureau on XX/XX/2022 for improper usage of my credit report. 

According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated that my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are STILL not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX US BANKRUPTCY COURT Account Number : XXXX Account Name : XXXX  XXXX US BANKRUPTCY COURT Account Number : 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 2022-07-11 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: GA

Complaint narrative:
Date updated inaccurate fcra violation delete account XXXX Date updated inaccurate fcra violation delete account XXXX XXXX  XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX XXXX updated inaccurate fcra violation delete account XXXX XXXX  Date updated inaccurate fcra violation delete account XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX  Date updated inaccurate fcra violation delete account XXXX XXXX XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX, XXXX XXXX Date updated inaccurate fcra violation delete account

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 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I received an email from Santander bank stating that I had just opened a checking account and that it could potentially be fraud. When I contacted Santander bank I asked them how they couldve opened an account in my name without having a copy of my photo identification to go along with the account to which they had no response. I am concerned that this bank is just opening accounts without verifying who people are and now fraud has been committed with my identity because of their lack of responsibility. I have had to pay for credit monitoring services because of this.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting with this complaint to the Credit Bureaus to update and correct the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish their investigation within 30 days, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. This account needs to investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$560.00}.

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 2022-07-11 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:
" THIS IS NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. IAMFILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TOTHELETTER OF THE LAW '' XXXX, TransUnion, XXXX XXXX XXXX XXXX are failing to comply with FCRA laws. I have filed a police report, an identity theft report & reporting I was a victim of identity theft to all parties. The following accounts were opened without my knowledge, authority or consent & I need them blocked from my credit file & internally with XXXX XXXX. I'm again attaching a police report, identity theft report, my photo ID and local address document. Please see the following information is removed from my report. XXXX XXXX Accounts # XXXX, XXXX & XXXX. Also the following address is not mine XXXX XXXX XXXX XXXX XXXX & there is some social security which is not mine either - XXXX. Please see that all this information is blocked from my records...

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 2022-07-11 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:
In accordance with the Fair Credit Reporting act XXXX 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 XXXX XXXX ssn:XXXX DOB XX/XX/XXXX 2 years address : XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Balance {$1200.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$9400.00} Original balance {$9400.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. 
Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$8500.00} Original balance {$8500.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX XXXX details 0 % of this account is paid off Balance on XX/XX/XXXX {$1000.00} Original balance {$1000.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/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: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
What is it going to take for experian to properly investigate? As keeper of my private information, Experian needs to acquire the permissible permission used to access my credit report in XX/XX/2017 by XXXX XXXX XXXX XXXX. Instead of listening to their money making client deny, deny, deny and only then, Experian will realize the lack of permissible permission.

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