vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 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: KY

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit A*R, Inc.
State: IL

Complaint narrative:
I was assured by XXXX XXXX of Summit Collects that a {$35000.00} payment at the time of my sale of my property fully satisfied a judgement a former attorney had placed on me. ( Please note that that former attorney is being investigated by the XXXX XXXX XXXX XXXX XXXX with the Office of Attorney Regulation Counsel ) but regardless, I opted to make the payment. XXXX XXXX stated affirmatively in writing that the $ XXXX was the full payment but then her client, XXXX XXXX XXXX said after the sale of the property that the payment was only " partial satisfaction. '' XXXX XXXX told me that he was wrong, that it was FULL satisfaction. But then he ordered her to not communicate with me anymore and she has not responded. 

Further, I had asked her multiple times to provide me with an accounting of her firm 's collection fees and she to date, has failed to provide that. 

Further, in an email that her client XXXX XXXX submitted to the XXXX XXXX XXXX, XXXX XXXX calls me a " fool '' and wrongly accuses me of " playing games '' even though in good faith I had been regularly in touch with her agency... they ignored me for months.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Subject : Formal Notice of Non-Compliance and Intent to Initiate Legal Action I am writing to provide formal notice of non-compliance with the Fair Credit Reporting Act ( FCRA ) by your credit reporting agency. This letter is to inform you that several inaccuracies on my credit report, involving previously resolved and deleted accounts which have been unauthorizedly reinserted, have not been corrected despite prior disputes and communications. This notice also references an active Federal Trade Commission ( FTC ) report pertaining to these matters. 

Detailed Account Information : Previously Deleted and Unauthorizedly Reinserted Accounts : XXXX XXXXXXXX Account Ending in XXXX XXXX XXXX Account Ending in XXXX ( Note : This account is listed twice, indicating a potential error in reporting. ) XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Ending in XXXXXXXX XXXX XXXX Account Ending in XXXX Incorrect Collection Account : XXXX XXXX  Reported Amount : {$1500.00} Discrepancy : This collection account is inaccurately associated with my financial records. 
Actions Required : Immediate Removal of Reinserted Accounts : As these entries were previously investigated and determined to be inaccurately reported resulting in their removal, their reinsertion violates the FCRAs provisions concerning the accuracy and integrity of credit reporting.

Correction of Erroneous Collection Entry : The collection account reported under XXXX XXXX does not pertain to any of my financial activities and must be removed immediately to reflect accurate credit information. 
I am prepared to take legal action if these issues are not resolved within the stipulated XXXX period as mandated by the FCRA for dispute resolution. Please consider this letter a final notice before I pursue further legal remedies, including seeking statutory and punitive damages for non-compliance. 

I request written confirmation of the receipt of this notice and detailed documentation of the steps your agency will take to rectify these errors. Immediate attention to these matters is crucial and highly anticipated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: OH

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these itemsin line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

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 2024-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Hello! I am sending this follow-up complaint regarding the fraudulent items listed below, which are reported on my credit report in violation of federal law. Despite reviewing my updated credit report, these fraudulent items still remain. According to the Fair Credit Reporting Act, 15 USC Sections 1681, you are required to remove the items listed in the ID Theft report within the timeframe mandated by law. The continued reporting of false information is now affecting my credit. Below is a summary of the fraudulent items showing on my report : XXXX XXXX  XXXX XXXX XXXX, TN XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$720.00} ; XXXX & XXXX Original Creditor XXXX XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX & XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX & XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX Balance Owed : {$300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XX/XX/year> ; XXXX XXXX Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$300.00}.

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 non-monetary relief
Consumer complaint received 2024-05-20 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: TN

Complaint narrative:
Hello! I am sending this follow-up complaint regarding the fraudulent items listed below, which are reported on my credit report in violation of federal law. Despite reviewing my updated credit report, these fraudulent items still remain. According to the Fair Credit Reporting Act, 15 USC Sections 1681, you are required to remove the items listed in the ID Theft report within the timeframe mandated by law. The continued reporting of false information is now affecting my credit. Below is a summary of the fraudulent items showing on my report : XXXX XXXX  XXXX XXXX XXXX, TN XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$720.00} ; XXXX & XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX & XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX & XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XX/XX/2023 ; XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On XX/XX/XXXX and XXXX, I received multiple requests from XXXX XXXX XXXX XXXX on the XXXX  app, asking me to sell XXXX. XXXX XXXX XXXX sent the funds to my Bank of America account and provided screenshots of the transfer as proof. I verified that the money was credited to my Checking account and instructed XXXX to credit the corresponding XXXX to XXXX XXXX XXXX 's XXXX account. This is the standard procedure for peer-to-peer ( XXXX ) transactions on XXXX. 
However, on XX/XX/XXXX, upon checking my Bank of America account online, I noticed a retention of {$6700.00}, which coincides with the sum of the XXXX transactions XXXX XXXX XXXX made. I immediately contacted Bank of America, and they requested me to submit an email or proof of the transaction, providing a specific code for the email submission. I promptly complied with their request, but when I called XXXX days later to confirm if it had been received, I was informed that the code I used was intended for the claimant, XXXX XXXX XXXX, not me. They assigned me a new code, and I resubmitted all the relevant information and documentation, including screenshots of XXXX screens and chat conversations with XXXX XXXX XXXX through the XXXX messaging app. 
After a few days, I contacted the bank again to inquire about the status of the investigation, and they informed me that they were " still investigating and would get back to me. '' On XX/XX/XXXX, I noticed that the {$6700.00} retention was no longer visible in my Bank of America account. However, to my surprise, XXXX debits were recorded, reflecting the XXXX transactions and totaling {$6700.00}. I immediately communicated my concerns to the bank, but they assured me that the funds would be reimbursed by the end of the day. Although I tried to explain that the account activity appeared as debits and not credits, they insisted that I shouldn't worry and that the funds would be reinstated by the end of the day. 
To my disappointment, the following day, I verified that the XXXX transactions remained recorded as debits, and the funds were still deducted from my account. When I contacted the bank once again, I was informed that " the investigative team ruled in favor of the other party '' and that the case was now closed. 
Despite my repeated attempts to follow up on the investigation, I never received any communication from the bank nor an explanation regarding their decision. I was not given an opportunity to clarify the evidence I submitted or to provide additional proof that may have aided the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Remove the hard inquiries from my credit report because of multiple violations of fair credit reporting : XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXXXXXX 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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: FL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
RASH CURTIS & ASSOCIAT Acct # XXXX I am writing to formally request validation of the debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am entitled to request and receive proof of the debt you claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: OH

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: CA

Complaint narrative:
PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX  XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: TN

Complaint narrative:
I am sending in response to the recent reinvestigation that remains unresolved. This is my follow-up, and I do not concur with your findings, as I am requesting complete accuracy. I am dissatisfied with the effort made to contact the creditor reporting this information on my report. Therefore, I am asking for additional information regarding these specific accounts in question : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5000.00} ; XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXXXXXX Balance Owed : {$32000.00}.

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 2024-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am sending in response to the recent reinvestigation that remains unresolved. This is my follow-up, and I do not concur with your findings, as I am requesting complete accuracy. I am dissatisfied with the effort made to contact the creditor reporting this information on my report. Therefore, I am asking for additional information regarding these specific accounts in question : XXXX XXXX XXXX XXXX Balance Owed : {$5000.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$32000.00}.

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 non-monetary relief
Consumer complaint received 2024-05-20 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am sending in response to the recent reinvestigation that remains unresolved. This is my follow-up, and I do not concur with your findings, as I am requesting complete accuracy. I am dissatisfied with the effort made to contact the creditor reporting this information on my report. Therefore, I am asking for additional information regarding these specific accounts in question : XXXX XXXX XXXX XXXX Balance Owed : {$5000.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$32000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have XXXX XXXX XXXX collection accounts on my credit report with account dates of XX/XX/year> and XX/XX/year>. One has a balance of {$1600.00} and the other has a balance of {$890.00}. 

Neither of these accounts are MINE! I have no knowledge of this debt, nor is there a contract or any proof this is my debt. I am a customer of XXXX and then was merged into XXXX for the past XXXX years. 

I demand these collection accounts be removed 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