vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-31 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: IL

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  *REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO AN OPEN ACCOUNT IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I was on XXXX looking for a puppy to adopt. I made contact with someone named XXXX XXXX through their XXXX ( XXXX XXXX  She had a puppy availabe ( I saw pictures ) I wanted to come to see/buy the puppy, but she wanted to make a 'reservation ' stating she doesn't just let people run through her house. When I asked what was involved in a reservation, she requested a deposit of {$400.00} which she said was completely refundable if I changed my mind. I sent the money through my bank, XXXX and zelle pay to 'XXXX  XXXX XXXX who she claimed was her 'hubby '. She also provided me with an email : XXXX. Believing this, I sent the money. Once it was received, she sent me a contract for the puppy through my email from XXXX. The contract stated I had to pay an additional {$400.00} for the dog, at which point I would owe no money at time of pickup. It also stated that she would keep 10 % handlers fee if I changed my mind. On the bottom of the contract was an address : XXXX XXXX XXXX, XXXX OH XXXX. When I questioned these things stated above, she reiterated sending the additional money. She told me I was wasting her time, so I asked for a refund. What came through on zelle was a request to send, not receive {$400.00}. I then went through XXXX  and asked for the money, which she refused to do. There was another email to XXXX XXXXzelle of XXXX. I had been in contact with XXXX  several times, including attempting to file a claim, at which time they told me there is nothing they will do because it is a cash transfer. I have a copy of the contract and the XXXX XXXX  with this person. She is now offline on XXXX and I can't pull up anything in relation to her trying to rehome a dog. I looked up the address on XXXX XXXX and it looked like the house was abandoned. I have also deactivated my zelle account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I Paid off a charged-off collection with Capital One in XX/XX/2022, but Capital One is still actively reporting a balance every month to my credit report. I have called Capital One to request correction and they stated they don't have my account anymore because it was sold/transferred to XXXX XXXX XXXX and that I should call XXXX to get it resolved. When I call XXXX to get the reporting corrected, XXXX explained that they don't report to the bureaus and instruct me to call Capital One to get it resolved. I am getting the run around between Capital one and XXXX. I need the help to get this issue resolved and to reflect a {$0.00} balance on the charge-off or correct the {$0.00} balance due to the account sold/transferred. I have documentation to prove that the account has {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: National Credit Systems,Inc.
State: LA

Complaint narrative:
Under law 15 usc 1666 & under FCRA they arent allowed to report this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi there, Over the past few months I have been trying to dispute the accuracy of personal information on my credit report and I have failed to get a resolution. Past addresses keep showing up, past employers keep showing, and unrecognizable spellings of my name to mention but a few. I sent disputes to XXXX, Trans Union, and XXXX that are pending for the last two months. Old accounts that were closed years ago are still showing and the number of open accounts, I have disputed but never had an updated result. Can someone with a better approach to the fair credit reporting act help me out, please?

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 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi there, Over the past few months I have been trying to dispute the accuracy of personal information on my credit report and I have failed to get a resolution. Past addresses keep showing up, past employers keep showing, and unrecognizable spellings of my name to mention but a few. I sent disputes to XXXX, XXXX XXXX, and Equifax that are pending for the last two months. Old accounts that were closed years ago are still showing and the number of open accounts, I have disputed but never had an updated result. Can someone with a better approach to the fair credit reporting act help me out, please?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: OH

Complaint narrative:
I recently sent your agency a dispute document requesting an investigation on inaccuracies appearing on my credit report I received your response and the following inaccuracies remain on my credit report. It is my right to have an accurate credit file and errors like this are detrimental to my financial well being. According to the fair credit reporting act section 607 I am entitled to a complete and accurate credit report the item listed below is not accurate nor correct therefore in violation of my rights under the fair credit reporting act therefore must be removed immediately. 
The Account XXXX XXXX XXXX XXXX is listed as charged Off as of XXXXAccording to Law 15 USC 1681 ( a ) a creditor asking you to pay a debt after charged off and they have filed a 1099-c is Tax Fraud and direct violation of Law and my rights. Please REMOVE immediately.

Once again I am notifying you that this item is not reported correct. Section 607 states you must ensure maximum accuracy of the information contained in my report. 
Please respond and remove promptly. I prefer that we both avoid pursuit of my rights under 15 USC section 1681m and 1681o, which requires your compliance with the law. 
Please send updated copy of my report and score once completed! 

Thank You for your time and attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31 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: 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. Accounts : 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 Hard and soft inquires XXXX 

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 MAKER 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 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 2022-12-31 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: OH

Complaint narrative:
I recently sent your agency a dispute document requesting an investigation on inaccuracies appearing on my credit report I received your response and the following inaccuracies remain on my credit report. It is my right to have an accurate credit file and errors like this are detrimental to my financial well being. According to the fair credit reporting act section 607 I am entitled to a complete and accurate credit report the item listed below is not accurate nor correct therefore in violation of my rights under the fair credit reporting act therefore must be removed immediately. 
The Account XXXX XXXX XXXX is listed as charged Off as of XXXXAccording to Law 15 USC 1681 ( a ) a creditor asking you to pay a debt after charged off and they have filed a 1099-c is Tax Fraud and direct violation of Law and my rights. Please REMOVE immediately. 

The Account XXXX XXXX XXXX XXXX  is listed as charged Off as of XXXXAccording to Law 15 USC 1681 ( a ) a creditor asking you to pay a debt after charged off and they have filed a 1099-c is Tax Fraud and direct violation of Law and my rights. Please REMOVE immediately. 

Once again I am notifying you that this item is not reported correct. Section 607 states you must ensure maximum accuracy of the information contained in my report. 
Please respond and remove promptly. I prefer that we both avoid pursuit of my rights under 15 USC section 1681m and 1681o, which requires your compliance with the law. 
Please send updated copy of my report and score once completed!

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 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i previously disputed this incorrect personal information back on XX/XX/22 then again on XX/XX/22 as well as XX/XX/22 and XX/XX/22 with this reporting agency here i am again because no changes were made to my report about this information I have been completely ignored by Experian in all of my attempts i have full proof to show that this info is still reporting incorrectly as well as inaccurately and has not been changed attached in this complaint is that info

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 2022-12-31 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: TN

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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # beginning with XXXXXXXX XXXXXXXX XXXX XXXX  ending in XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # ending in XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX Account # beginning with XXXX XXXX XXXX XXXX XXXX Account XXXX beginning with XXXX XXXX XXXX XXXX Account # beginning with XXXX XXXX XXXX XXXX XXXX  beginning with XXXX 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. I did not give them 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 non-monetary relief
Consumer complaint received 2022-12-31 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: TN

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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Account # beginning with XXXXXXXX XXXX Account # ending in XXXX XXXX XXXX Account # ending in XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # ending in XXXX XXXX XXXX Account # ending in XXXX XXXXXXXX XXXX Account # beginning with XXXX XXXX XXXX XXXX XXXX Account XXXX beginning with XXXX XXXX XXXX XXXX Account # beginning with XXXXXXXX XXXX XXXX Account # beginning with XXXX 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. I did not give them 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 2022-12-31 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: TX

Complaint narrative:
My information was stolen and used without my authority. I have put a freeze on my credit.

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 2022-12-31 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXXXXXX 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 XXXXXXXX XXXX XXXX 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 MAKER 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 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 2022-12-31 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: OH

Complaint narrative:
I recently sent your agency a dispute document requesting an investigation on inaccuracies appearing on my credit report I received your response and the following inaccuracies remain on my credit report. It is my right to have an accurate credit file and errors like this are detrimental to my financial well being. According to the fair credit reporting act section 607 I am entitled to a complete and accurate credit report the item listed below is not accurate nor correct therefore in violation of my rights under the fair credit reporting act therefore must be removed immediately. 
I do not have accounts or debt with the following creditor therefore I am requesting the original purchase agreement with my signature. Also provide documentation that show you are the legal owner of this alleged debt as well as all terms and conditions. If such can not be provided I request IMMEDIATE deletion off my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) # XXXX Also, Upon research the following Debt Collectors are not licensed to even collection in my State which is XXXX  ( see attached ) furthermore is a complete violation of my rights and THE LAW. Prompting IMMEDIATELY REMOVAL from my credit profile. 
Once again I am notifying you that this item is not reported correct. Section 607 states you must ensure maximum accuracy of the information contained in my report. Please respond promptly. I prefer that we both avoid pursuit of my rights under 15 USC section 1681m and 1681o, which requires your compliance with the law. 

Thank You for your time and attention to this matter

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 2022-12-31 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: VA

Complaint narrative:
Im accordamce with Fair Credit Reporting act. The list of accounts below has violated my federally protected consummerv rights to privacy and confidentiality ; under 15 U.S.C 1681. XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX, Equifax has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C. 1681 section 602 A. States I have the
right to privacy.

These addresses do not belong on my credit report. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Michigan XXXX These addresses do not belong on my credit report.

Company response to consumer: Closed with explanation