vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$120.00} XXXX Account # : XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$340.00} XXXXXXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX High Credit : {$2200.00} XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$2200.00} 15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer report an agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$120.00} XXXX Account # : XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$340.00} XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XXXX XXXX : {$2200.00} -XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX  XXXX  : {$2200.00} 15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer report an agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
I have tried multiple time to get verification of the debt however with there silence they refuse to verify the debt. 
It has been well over 90 days since I sent my first letter to try and get this verified all letters have been sent certified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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.

has violated my rights. Or a list of inquiries : 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 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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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.

has violated my rights. Or a list of inquiries : 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 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 seven 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 2024-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I was called by Kohls. They said I have an overdue balance on my Kohls credit card. I have never been to Kohls or shopped there. I never opened this credit card. They said the card was opened in a store location in XX/XX/year> and was charged {$350.00} dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the unauthorized sharing of my personal information by EQUIFAX without my consent. I believe this action violates my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 
There is a public record on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I have spoken with the United States XXXX XXXXXXXX XXXX XXXX XXXXXXXX, who cited, XXXX XXXX XXXXXXXX XXXX XXXX is not responsible for credit reports and does not provide information to credit reporting agencies and disputes should be taken to the credit reporting agency directly. 

I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to lock the identified transactions. The identified transactions are not information related to any transaction by me as the consumer-XXXX XXXX XXXX  date XX/XX/18. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. 

How could your company verify the accuracy as previously stated if the company in question does not report to you or verify accuracy? Again, please delete within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX IDENTIFIED THE INQUIRIES ON MY CREDIT REPORT TO BE FRAUDULENT. CREDIT REPORTING BUREAUS WERE NOT REMOVED FROM MY REPORT. SEE LETTER ATTACHED. UNAUTHORIZED INQUIRIES TO BE REMOVED as soon as possible.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: OR

Complaint narrative:
I called Mohela XXXX and asked for information on how to update my credit reports to the current loan status of Closed Account/Paid in Full with a XXXX balance. The customer service representative said it would take 30 days to update my credit report, and to just wait. Mohela had emailed me documentation stating my account was Paid in Full with a XXXX balance on XXXX. 

The Mohela website states, " The status of your student loan ( XXXX ) is reported monthly to the nationwide consumer reporting agencies. '' Discharged loans will be reported as " paid in full '' upon your loan status reflecting as " paid in full. '' I checked my XXXX XXXX at all three credit reporting agencies as of XXXX ( XXXX, XXXX, and XXXX ) and my Mohela account has not been updated since XXXX, as per all three reporting agencies. 

My credit report still states, " Current/Pays as agreed '' and that information is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I opened a XXXX  XXXX  account and got paid and decided to transfer {$1000.00} of my paycheck to the new account via Venmo. When I did this it triggered an account suspension for suspicious activity. This was last XXXX. I submitted the requested document and let them know my legal name was different and that if they need that documentation I am able and willing to provide it. I have gotten no response. I contacted customer service today and they essentially said theres nothing they can do and it will take XXXX business days. So essentially they are holding my money I need to pay my XXXX  XXXX and ignoring my pleas and compliance with their policies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to express my deep dissatisfaction with the fraudulent accounts currently on my credit report. Unauthorized and false information is affecting my credit history, jeopardizing my financial standing, and undermining my credibility. I request an immediate investigation and swift removal of these inaccuracies from my credit report. The presence of these entries is damaging my credit score and causing significant distress. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached supporting documentation proving the fraudulent nature of these accounts.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am trying to buy a house and these things are delaying my home buying process. I have been a victim of aggravated identity theft. I need these items removed asap. Each creditor should have form SSA-89 signed by the consumer whenever credit is requested that way they have proof it was mailed and received by the said consumer and that way each person knows if/ and when fraud has or hasn't been committed. That form was requested by me to the creditor and they have yet to send that. It's been over 30 days since requested and over the timeframe. If they can't provide it they need to respectfully remove these items. Study what this form entails. I understand my consumer rights and how to proceed. I will contact the XXXX, and state attorney general to let them know such things are happening and not being honored if this isn't handled asap. Do not send a bill as a bill doesn't provide sufficient proof the said has applied for anything. Thank you for your prompt assistance. 
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 explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a request to XXXX  information on my credit report to experian because it was fraudulent. They sent me an email that they thought i didnt send the request XXXX  and that they are not going to do it. They have to remove these fraudulent accounts from my credit report by law according to t he FCRA.

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 2024-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bonneville Billing and Collections
State: TX

Complaint narrative:
Bonnville collections is on my credit report for XXXX XXXX XXXX Ive never received correspondence from either and I believe that XXXX XXXX  was a result of XXXX XXXX and winter freeze events- also possible that XXXX XXXX is billing me for months not belonging to me based on how rental ended with XXXX  XXXX XXXX Either way- XXXX has never provided statement not debt validation with options to dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2024-01-22 00:00:00
Product: Credit reporting 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: WA

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name :. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 

Potentially NegativeXXXX XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusAccount charged off. {$450.00} written off.XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusClosed. {$1600.00} written off.XXXX  XXXXPotentially negativeDate openedXXXXBalance XXXX XXXXStatusOpen. {$100.00} past due as of XXXX XXXX XXXXPotentially negativeDate openedXXXXBalance $  XXXXStatusAccount charged off. {$670.00} written off. {$670.00} past due as of XXXX XXXX XXXX XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusAccount charged off. {$890.00} written off. {$890.00} past due as of XXXX XXXX XXXX XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusCollection account. {$860.00} past due as of XXXX XXXX XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusXXXX XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusAccount charged off. {$450.00} written off.XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusClosed. {$1600.00} written off.XXXX XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusOpen. {$100.00} past due as of XXXX XXXX XXXX/XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusAccount charged off. {$670.00} written off. {$670.00} past due as of XXXX XXXX XXXX XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusAccount charged off. $ XXXXCollection account. $ XXXX XXXX XXXXPotentially negativeDate openedXXXXBalance $ XXXXStatusCollection account. {$860.00} past due as of XXXX XXXX XXXXPotentHard inquiriesXXXX-XXXXInquired onXXXXOn record untilXXXX XXXXXXXXInquired onXXXXOn record untilXXXX XXXXInquired onXXXXOn record untiXXXX XXXX XXXX XXXXInquired onXXXXOn record untiXXXX XXXXInquired onXXXXOn record untilXXXX XXXX XXXX  XXXXInquired onXXXXOn record untilXXXX XXXX XXXXInquired onXXXXOn record untiXXXX XXXX XXXX XXXXInquired onXXXXOn record untilXXXX XXXX onXXXXOn record untiXXXX XXXXInquired onXXXXOn record untilXXXX  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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
I have been affected by inaccurate information reported to creditors by both Innovis and XXXX XXXX in addition to working as criminals with bugs that they have in place in the XXXX Credit Bureaus, XXXX, XXXX, and XXXX. The inaccurate  reports are costing me denial of services along with XXXX  payments for the least XXXX  in XXXX XXXX quotes and XXXX. I am a victim of XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and more by a XXXX XXXX I am asking for you to please intervene on my behalf. The home recently sold under XXXX is paid in full. This is not being reflected as closed paid off on none of the credit bureaus. In addition, XXXX XXXX is reporting that I had an accident and have XXXX XXXX  on my driver 's license which is not true and proved by the XXXX  company XXXX XXXX and XXXX  XXXX. Theses lies are being reported to potential XXXX XXXX which is causing high quotes or denials. These Companies also are calling and requesting information on my credit without approval. I don't know these companies and request that they have no access to my financial information due to sabotage. Also these people are working with XXXX  in the XXXX  XXXX Credit bureaus to help XXXX  my credit. Please Help NOW!

Company response to consumer: Closed with explanation