vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 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:
Experience has been giving the law a thorough breaking. 605B of the fair credit reporting act clearly says what the CRA should should do when identity theft is claimed. In subsection A, The law says I have to provide 4 items. 1. Appropriate proof of my identity. 2. A copy of an identity theft report. 3. That myself the consumer identify the fraudulent items that need to be removed from my file. 4. My statement that I did not derive any benefit or caused any of the blocked accounts to be opened. The CRA must block the items I identify in 4 business days or less.

Subsection B- the 2nd part of 605B says the CRA is supposed to notify the furnisher of the information that they're blocking that their reported item has been blocked and it stemmed from identity theft. 30 days to reply.

Subsection C, The 3rd part of 605B, Gives the CRA, 3 reasons where they can rescind or decline a block of information. 1. Error 2. Materially false information from me to request the block. 3. Proof that the consumer received goods, services, or money from the blocked transaction. This law MUST be done in order of A, B, C. Experian refuses to obey the law entirely. They never block in 4 business days or less upon receiving my documents as the law states. Experian acts ABOVE congress and the law, they rewrite the law to fit their breaking of the law. The courts said I need to give Experian a right to remedy. This is it. I will send my NC driver 's license, ss card, the XXXX with the fraud items to be blocked immediately and my state herein. They have 4 days to block here.

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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I financed an XXXX loan for services from XXXX through their finance company, XXXX XXXX XXXX I paid off the loan, early and in full, without ever missing a payment. The final payment was made in XXXX of 2021. The account was reported as closed in XXXX of 2021. 

A week ago this account was reported as delinquent and 60 days past due. It shows a zero balance with an outstanding amount of {$220.00} on both my TransUnion and XXXX credit reports. I have called XXXX twice and they have verified this information. 

TransUnion 's Dispute Center was utterly unhelpful and kept glitching when I tried to submit documentation. I had to reach out to tech support twice and was told that if my statement of dispute contained NUMBERS ( like dates ) and special characters, as well as any of the file names ( which had to collectively less than XXXX and a limit of 5 attachments total ), the system " may reject my submission. '' I had to go back and type out my statement and change my file names using letters only. I changed browsers, cleared my cookies/cache, etc. 

I was told to open my dispute over the phone, which I did. Once the dispute was opened, I was told I would now have to mail the supporting documentation because I couldn't use the online system since I'd called to open the dispute. I tried to log back in to my account to verify the dispute was opened and found my account suspended " because my identity couldn't be verified. '' In my dispute with XXXX, I supplied the bank statement showing my final payment, the confirmation number from the final payment, a letter from the company showing my zero balance ( and a refund I was issue for overpayment ), a screenshot from when the line of credit was closed, and a screenshot of how the account appears twice on my credit report - once as closed, paid and in good standing, the other showing 60 days delinquent. 

I have disputed it twice with XXXX with the same results each time, even providing all of the documentation above.

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 2022-04-19 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: GA

Complaint narrative:
I financed an XXXX loan for services from XXXX through their finance company, XXXX XXXX XXXX I paid off the loan, early and in full, without ever missing a payment. The final payment was made in XXXX of 2021. The account was reported as closed in XXXX of 2021. 

A week ago this account was reported as delinquent and 60 days past due. It shows a zero balance with an outstanding amount of {$220.00} on both my XXXX and Experian credit reports. I have called XXXX twice and they have verified this information. 

XXXX 's Dispute Center was utterly unhelpful and kept glitching when I tried to submit documentation. I had to reach out to tech support twice and was told that if my statement of dispute contained NUMBERS ( like dates ) and special characters, as well as any of the file names ( which had to collectively less than XXXX and a limit of 5 attachments total ), the system " may reject my submission. '' I had to go back and type out my statement and change my file names using letters only. I changed browsers, cleared my cookies/cache, etc. 

I was told to open my dispute over the phone, which I did. Once the dispute was opened, I was told I would now have to mail the supporting documentation because I couldn't use the online system since I'd called to open the dispute. I tried to log back in to my account to verify the dispute was opened and found my account suspended " because my identity couldn't be verified. '' In my dispute with Experian, I supplied the bank statement showing my final payment, the confirmation number from the final payment, a letter from the company showing my zero balance ( and a refund I was issue for overpayment ), a screenshot from when the line of credit was closed, and a screenshot of how the account appears twice on my credit report - once as closed, paid and in good standing, the other showing 60 days delinquent. 

I have disputed it twice with Experian with the same results each time, even providing all of the documentation above.

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 2022-04-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$820.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$1000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$6400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$16000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$420.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$200.00} in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights, 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 2022-04-19 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:
XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$820.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX AMOUNT {$1000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$6400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$16000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$420.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$200.00} in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights, 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 2022-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
Debt shows as owed from XXXX thru convergent collection agency and when prompted to access online I cant with my valid credentials and supervisor from convergent collections cant explain why the Ss number and or zip code and last name doesnt match my info yet they are attempting to collect this debt.

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 2022-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act Scotts & Associates File # 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 2022-04-19 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX XXXX XXXX  XXXX remove late payments XXXX. XXXX XXXX XXXX XXXX XXXX remove the account and the 30 days late XXXX XXXX XXXX XXXX XXXX  Remove account XXXX. XXXX XXXX XXXX XXXX remove the account XXXX. XXXX XXXX Remove account, not in collections XXXX. XXXX XXXX XXXX Remove account should not be on the report XXXX. XXXX XXXX XXXX remove from mortgage report and all credit reports XXXX. XXXX XXXX XXXX XXXX XXXX  removes any remarks XXXX. Remove all addresses that are not XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. Remove all names that are not XXXX XXXX XXXX XXXX. Remove my social security from all reports XXXX. Remove all inquiries from my credit report I did not approve XXXX. Remove all XXXX XXXX or late payments from all accounts that apply XXXX. Remove XXXX XXXX XXXX XXXX. Remove XXXX XXXX XXXX. Remove account all late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX. Remove XXXX XXXX XXXX XXXX XXXX. Remove all closed accounts from all reports 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX XXXX 

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

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 2022-04-19 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX  XXXX remove late payments XXXX. XXXX XXXX XXXX XXXX XXXX remove the account and the 30 days late XXXX. XXXX XXXX XXXX XXXX Remove account XXXX. XXXX XXXX XXXX XXXX remove the account XXXX. XXXX XXXX Remove account, not in collections XXXX. XXXX XXXX XXXX Remove account should not be on the report XXXX. Experian XXXX shield remove from mortgage report and all credit reports XXXX. XXXX XXXX XXXX XXXX XXXX  removes any remarks XXXX. Remove all addresses that are not XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. Remove all names that are not XXXX XXXX XXXX XXXX. Remove my social security from all reports XXXX. Remove all inquiries from my credit report I did not approve XXXX. Remove all XXXX XXXX or late payments from all accounts that apply XXXX. Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove account all late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX. Remove XXXX XXXX XXXX XXXX  XXXX. Remove all closed accounts from all reports 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

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 2022-04-19 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Transunion- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C. 1681 Section 602A. 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 2022-04-19 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C. 1681 Section 602A. 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 2022-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
On XX/XX/XXXX i received an email from XXXX XXXX ( except i later learned it was not XXXX ) that my bank account had been debited for {$150.00} for renewal of XXXX XXXX XXXX. it said call if you do not wish it to be renewed. So I called. They said my bank account had been debited but they would refund the money. They were very professional and believable. They needed my bank account number to refund the amount. 
" He '' said my bank would not allow him to do so. Yes... I gave him my credit card numbers so he could refund the charges to a credit card. He said he could give me credit via XXXX, then he tried through my Citibank credit card ; finally through my XXXX XXXX XXXX, In each instance he had trouble making an adjustment. 
Though I am XXXX, nevertheless I know I am not excused because of my age ; my naivete is responsible. Btw, because i was having trouble navigating to where he wanted me to go .on my computer, he took over my computer to " help '' me. 
My banker told me it was fraud from the beginning. So on XX/XX/XXXX I contacted Citibank. One transaction had already been approved for jewelry at : '' XXXX : '' for {$1700.00}. 
( My XXXX XXXX card was also debited {$70.00} for an XXXX XXXX on the same day ; Results of dispute pending. ) Three more charges for jewelry from the same vendor, XXXX, were denied. 
Citibank informed me today that the dispute was closed and I am responsible for the charges.

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 2022-04-19 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
These inquiries occurred without my approval. Ive been the victim of identity theft and I dont recognize any of these inquiries/companies on my report. 
XXXX. Capital One Auto financing : XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
XXXX. XXXX XXXX XXXX : XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
XXXX. XXXX XXXX XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
XXXX XXXX XXXX XXXX XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
XXXX. XXXX XXXX XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. 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 Affidavit. 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 XXXX, XXXX XXXX, XXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts 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. Please delete these items as soon as possible. XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX : XX/XX/XXXX Balance : {$360.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$1800.00}.

Company response to consumer: Closed with explanation