vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-16 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: WA

Complaint narrative:
XXXX Amount : XXXX Actions : Reported this error with XXXX XXXX they could not get it removed. XXXX recently denied my request to resolve this based on the previous ( failed ) attempt, so I am need this agency 's help. I also contacted the card company and they show no record of this negative item. Please have them remove this negative item 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 explanation
Consumer complaint received 2022-07-16 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: WA

Complaint narrative:
XXXX Amount : XXXX Actions : Reported this error with XXXX XXXX they could not get it removed. XXXX recently denied my request to resolve this based on the previous ( failed ) attempt, so I am need this agency 's help. I also contacted the card company and they show no record of this negative item. Please have them remove this negative item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: WA

Complaint narrative:
XXXX Amount : XXXX Actions : Reported this error with XXXX XXXX they could not get it removed. Experian recently denied my request to resolve this based on the previous ( failed ) attempt, so I am need this agency 's help. I also contacted the card company and they show no record of this negative item. Please have them remove this negative item 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 explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Okay so I have disputed this account on several occasions for reporting inaccurate information on my credit report. The account status is showing account not disputed which is inaccurate information. I tackled this account so many times and nothing has been resolved. 

I want to seek damages for financial injury for inaccurate reporting according to 15 usc 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation or this account deleted from my credit profile : XXXX XXXX- XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Okay so I have disputed this account on several occasions for reporting inaccurate information on my credit report. The account status is showing account not disputed which is inaccurate information. I tackled this account so many times and nothing has been resolved. 

I want to seek damages for financial injury for inaccurate reporting according to 15 usc 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} per violation or this account deleted from my credit profile : XXXX XXXX- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
My husband was awarded 100 % VA XXXX in the state of Texas in which he is exempt 100 % from taxes. The county provided a letter stating that we are now exempt from property taxes as of XX/XX/XXXX. Our mortgage company, Fay Servicing, has stated they were not accepting the letter from the county and would only except a tax bill showing the amount owed for this year. The county has advised that the invoicing does not occur until the end of the year and provided an estimated taxes screen shot, however, Fay servicing is still not satisfied. We are currently having to pay an extra almost {$1000.00} a month in taxes that we legally do not owe and the county has provided a letter stating the fact. 

We filed a complaint and Fay Servicing lied stating the taxes currently being collected are for the XXXX  year and not the XXXX  year. This is not correct as the XXXX  year taxes have already been paid. I have provided additional documentation to this complaint showing that the XXXX taxes were already paid so there should be no reason for Fay Servicing to be collecting taxes for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: MO

Complaint narrative:
Im resubmitting a complaint to you today due to my complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX when I reviewed it. Again, it appears that my credit file has been compromised. I was going through my records & noticed many items which do not belong to me. There are still remaining items on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to block any item listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. Here is the list of items that not belong to me : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX CT XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX AV XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX, MO 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 2022-07-16 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: MO

Complaint narrative:
Im resubmitting a complaint to you today due to my complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX when I reviewed it. Again, it appears that my credit file has been compromised. I was going through my records & noticed many items which do not belong to me. There are still remaining items on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to block any item listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. Here is the list of items that not belong to me : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX CT XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX AV XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
But he used my personal information my ID and my social security card to sign up for a credit card and their name and they were approved for {$500.00} and {$300.00} Credit Card ending in XXXX for a total of {$320.00} Credit Card ending in XXXX for a total of {$440.00} I never applied for a credit card from capital one. That was fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: GA

Complaint narrative:
Again, I was a victim of identity theft and this is a request to block the items on my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Credit Bureaus are required to block any items not later than 4 business days after I sent them certified letters on XX/XX/XXXX, but no response until this day XX/XX/XXXX. Ive already included this report in my previous complaint # XXXX XXXX, XXXX, and XXXX & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX AV XXXX XXXX GA XXXX ; UTILITY SELF-REPORTED XXXX Balance : {$210.00} ; XXXX SELF-REPORTED XXXX Balance : {$50.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$700.00} ; CB INDIGO XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$250.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: HI

Complaint narrative:
I dont own money to this company I C System please send me evidence to my address that I owe This company with evidence that i XXXX XXXX signed this contract. Again I dont own {$380.00} to this company. 
Thanks

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 2022-07-16 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: MO

Complaint narrative:
I was reviewing my Complaints # XXXX, XXXX, XXXX & noticed that you have closed my complaints last XX/XX/XXXX. It appears that my credit file has been compromised. Since Im a observance of something I found that under section 605b of the FCRA Credit Bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these following items : XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO 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 2022-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have a previous complaint open and it is not resolved. I was advised to provide my credit card statement analysis in a PDF format. The previous complaint number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: MO

Complaint narrative:
I was reviewing my Complaints # XXXX, XXXX, XXXX & noticed that you have closed my complaints last XX/XX/XXXX. It appears that my credit file has been compromised. Since Im a observance of something I found that under section 605b of the FCRA Credit Bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these following items : XXXX  XXXX Balance : {$220.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX  XXXX Balance : {$660.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO 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 2022-07-16 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: MO

Complaint narrative:
I was reviewing my Complaints # XXXX, XXXX, XXXX & noticed that you have closed my complaints last XX/XX/XXXX. It appears that my credit file has been compromised. Since Im a observance of something I found that under section 605b of the FCRA Credit Bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these following items : XXXX XXXX Balance : {$220.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$600.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX  XXXX Balance : {$660.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: MO

Complaint narrative:
I submitted my Complaints # XXXX, XXXX, XXXX last XX/XX/22 and I discovered that you have closed my complaints on the same day. I am resubmitting my complaint to you today to inform you that I found out that there is UNVERIFIABLE account on my personal profile, I noticed that the account XXXX XXXX XXXX Balance : {$770.00} is reporting inaccurately on my credit report. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe the credit bureaus have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

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 2022-07-16 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$820.00}

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 2022-07-16 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: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$180.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2022-07-16 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: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX  XXXX XXXX Balance : {$180.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with explanation