vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
EXPERIAN : 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 non-monetary relief
Consumer complaint received 2022-04-11 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This Company is trying to collect that is not mine. The company Was not even able to validate the debt. At first, They reported on my credit file I was a victim of an identity thief. 
The credit bureau was able to delete it on my credit report the same item came with a different amount and different account number on my credit report. The credit bureau is taking longer the resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This Company is trying to collect that is not mine. The company Was not even able to validate the debt. At first, They reported on my credit file I was a victim of an identity thief. 
The credit bureau was able to delete it on my credit report the same item came with a different amount and different account number on my credit report. The credit bureau is taking longer the resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Skrill USA, Inc.
State: WA

Complaint narrative:
So one Ive never open account with you so Im victim of identity theft and clearly I dont know how to reach you personally but I want this account closed this wasnt authorized by the original XXXX XXXX someone using my personal information to open account and this includes this one and making purchases through my bank card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX PA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX PA ) XXXX FST PREMIER 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 2022-04-11 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXA XXXX XXXX ) XXXX XXXX ( Original XXXX : XXXX XXXX XXXX PA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-11 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: MI

Complaint narrative:
I contacted Equifax XXXX XXXX to dispute items from my credit report. 

XXXX XXXX XXXX for the amount of {$2300.00} which is not my account! The Bureau havent sent me documents proving that this is my debt but sent me update saying that this item will be deleted. As of XX/XX/2022 the account is still on my file TWICE XXXX XXXX XXXX for the amount of {$8300.00} also account thats not mine! Equifax refuse to remove this account from my credit file XXXX XXXX & XXXX for the balance of {$5400.00} is inaccurate on my file also! Its reporting twice which brought my score down to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I did not give permission to this company to pull my credit.I have not submitted application with this company since 2017 when I originally obtained my credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ECMC GROUP, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ECMC for committing identity theft. I have never given ECMC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant 15 USC 1692c ( c ). I am demanding a cease a desist of all illegal activity, any communication and collection activity of this and any alleged debts until ECMC can provide me with sufficient documentary evidence that I have a legal obligation to pay them. If this documentary evidence can not be produced with the original instrument and not a promissory note and ECMC continues its collection efforts, I will file for litigation for actual damages caused and ECMC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A extortion, theft by deception, securities fraud and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. 

Note : The original creditor XXXX Rhode Island XXXX XXXX charged this debt off and canceled it with a 1099-c and I filed my income taxes and filed this as earned income. Earned income shouldn't report on my consumer report. 

I never had a trilateral contract with ECMC. I only had an agreement with XXXX. 

I have documentary evidence ECMC practices & commits unlawful racketeering activity pursuant to 18 U.S. Code 1961racketeering activity means any act or threat involving extortion, dealing in obscene matter. 
Furnishing 2 collection to my consumer report that has not been validated as a means of coercing me to pay an alleged debt is a violation of 15 U.S. Code 1692d ( 4 ) and I reported ECMC to the FTC for debt parking. 

I DEMAND ECMC to delete both accounts ( below ) and have XXXX, XXXX and XXXX DELETE both accounts immediately or I will sue them for breaking my federally protected rights as a consumer. 

DELETE ECMC | Account # : XXXX | Balance : {$6400.00}. 
ECMC | Account # : XXXX | XXXX : {$10000.00}

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 2022-04-11 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I have a New Credit Inquiry on my credit report that I no nothing account. 

The hit is from : FACTUAL DATA. 

I monitor my credit report weekly. 

This hit showed up on XXXX and XXXX. 

I need your help to get this off my credit report. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The Chapter XXXX Bankruptcy public record was removed by Experian in XX/XX/XXXX because inaccurate information was listed. Although the public record was removed, I still have 2 accounts that still show the " included in Chapter XXXX bankruptcy '' remark, which I've now disputed over 12 times because the Status updated date is not correct and should match the date of when the case was filed in XX/XX/XXXX or the discharge date of XX/XX/XXXX. Neither date is shown for the XXXX XXXX or XXXX XXXX XXXX CO accounts . Each company has allegedly verified the information as accurate, which it is not!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Trans Union is in Violation of Reporting Unauthorized Inquires 15 usc s 16881 b ( c ) ( 1 ) ( a ) All Inquires are Misleading False and Fraud Under 15 U.S Code 1681b Please Delete All Of The Fraudulent Inquires 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 non-monetary relief
Consumer complaint received 2022-04-11 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: WI

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX, # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX DEPT OF ED/XXXX, # XXXX US DEPT .OF EDUCATIO, # XXXX DPT EDXXXX, # XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: MT

Complaint narrative:
I received my background check that was conducted by First Advantage. When reviewing the document I noticed that my XXXX XXXX information was flagged. The information that is listed is incorrect, or not up to date. I have a class D Non Commercial Driver 's License that was issued on XX/XX/2021. In the record reported by First Advantage it is listing that I hold a permit. That is incorrect, and the error could possibly be used against me, or jeopardize me from obtaining employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: TX

Complaint narrative:
I recently have reviewed my credit reports and show an inaccurate/ incomplete account being reported to my credit file by Equifax XXXX I have disputed with Equifax, and they have yet to remove this inaccuracy which is hurting my credit rating. Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report and my last Dispute letter sent to Equifax. 

Account Name : Unknow Account No : XXXX Account Balance : {$450.00} Also Showing duplicated XXXX times on credit file. 

Furthermore, Equifax is reporting a derogatory account that has not been validated by Equifax in a timely manner and the other bureaus XXXX and XXXX have already removed this account from my reports and Equifax has failed to do so. They need to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: Westview Financial Services VA, LLC
State: VA

Complaint narrative:
After paying the account in full the negative inquiries. Westview entered the information twice to my credit report without my consent The account was paid and full in XXXX of last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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 convergent Account XXXX XXXX XXXX, XXXX XXXX OF EDUCATION XXXX, XXXX XXXX XXXX  XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XX/XX/2020 I called Experian to dispute in accurate information on my credit report. The bankruptcy information is incorrect and does not match my court document file. The address is incorrect document. I request by law for proof by Experian to provided their Investigation is accurate.. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX Account in Reference : XXXX Account # XXXX Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent and under The Federal Fair Credit Reporting Act ( FCRA ) this is violation of my rights and under TILA LAW unless this account is removed from my file asap, I am due a violation payment of {$1000.00}, I have disputed this account already, and still has not been removed. I am asking CFPB enforce this violation and fine this company {$1000.00} and remove this account from my file asap. 

Have filed a fraud report and credit reporting companies still have this fraud account on my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX Account in Reference : XXXX Account # XXXX Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent and under The Federal Fair Credit Reporting Act ( FCRA ) this is violation of my rights and under TILA LAW unless this account is removed from my file asap, I am due a violation payment of {$1000.00}, I have disputed this account already, and still has not been removed. I am asking CFPB enforce this violation and fine this company {$1000.00} and remove this account from my file asap. 

Have filed a fraud report and credit reporting companies still have this fraud account on my file.

Company response to consumer: Closed with explanation