vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 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: LA

Complaint narrative:
I have made several attempts to communicate with your Offices to have the alleged accounts listed in Exhibit B DELETED from my credit report. 

The alleged accounts listed in Exhibit B are false, invalid, inaccurate and carry no documented evidence as being valid. To the least, none of these items have not been authenticated as per my requirements as you are damaging my character, creditworthiness, and wellbeing by falsely reporting these non-compliant and unverifiable items on my credit report.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( 7 ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer the financial institution shall provide a notice of such furnishing of negative information in writing, to the customer.

( ii ) Notice effective for subsequent submissions After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section1681a ( p ) of this title with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

I did not receive written notice from any of the Data Furnishers that they were going to report negative information to a consumer reporting agency. 

In accordance with the Federal Law outlined above, I exercise my rights under the FCRA that you ( XXXX, Transunion, and XXXX ) provide proof of the required notice. 

I demand certified proof that your offices and the Data Furnishers complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you need to present me with a certificate in testimony that all of the alleged items presented in Exhibit B are in fact valid and not subterfuge?

I would like this affidavit to serve as my final notice to your offices to DELETE the alleged accounts listed in EXHIBIT B. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from Attached Affidavit ) *****

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 2021-09-15 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: LA

Complaint narrative:
I have made several attempts to communicate with your Offices to have the alleged accounts listed in Exhibit B DELETED from my credit report. 

The alleged accounts listed in Exhibit B are false, invalid, inaccurate and carry no documented evidence as being valid. To the least, none of these items have not been authenticated as per my requirements as you are damaging my character, creditworthiness, and wellbeing by falsely reporting these non-compliant and unverifiable items on my credit report.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( 7 ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer the financial institution shall provide a notice of such furnishing of negative information in writing, to the customer. 
( ii ) Notice effective for subsequent submissions After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section1681a ( p ) of this title with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

I did not receive written notice from any of the Data Furnishers that they were going to report negative information to a consumer reporting agency. 

In accordance with the Federal Law outlined above, I exercise my rights under the FCRA that you ( XXXX, XXXX, and Equifax ) provide proof of the required notice. 

I demand certified proof that your offices and the Data Furnishers complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you need to present me with a certificate in testimony that all of the alleged items presented in Exhibit B are in fact valid and not subterfuge? 

I would like this affidavit to serve as my final notice to your offices to DELETE the alleged accounts listed in EXHIBIT B. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from Attached Affidavit ) *****

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Someone has access to my personal information. There are inquiries on my personal credit report that I did not authorize. I want these inquiries removed immediately. XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: TX

Complaint narrative:
The branch manager XXXX XXXX at XXXX XXXX in XXXX, TX has fraudulently opened a second loan without my consent or approval knowing I was a victim of identity theft after providing a police report. The loan company XXXX XXXX in XXXX, TX and their banking XXXX XXXX Bank XXXX XXXX, TX have made me, the victim, responsible for XXXX Bank passing through a check under double presentment which was originally issued for a loan- from XX/XX/2021 in the amount of {$800.00} and mobile deposited in my credit union.

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 2021-09-15 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
The branch manager XXXX XXXX at XXXX XXXX in XXXX, TX has fraudulently opened a second loan without my consent or approval knowing I was a victim of identity theft after providing a police report. The loan company XXXX XXXX in XXXX, TX and their banking institution XXXX XXXX XXXX XXXX, TX have made me, the victim, responsible for XXXX XXXX  passing through a check under double presentment which was originally issued for a loan- from XX/XX/2021 in the amount of {$800.00} and mobile deposited in my credit union.

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 2021-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
I received a notice of collection from Nationwide Credit and Collection , Inc for {$40.00} on behalf of XXXX XXXX  XXXX XXXX. The debt has already been paid to XXXX XXXX  XXXX XXXX via their online payment processing system. A formal dispute letter was mailed to Nationwide Credit and Collection , Inc on or around XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2021 I called Transunion to try and gain access to my account to dispute multiple credit checks that were fraudulent. A representative from TransUnion informed me that my account was locked out and that I had two accounts. He then read an email address and partial card number for this second account. I informed him that I did not make that account nor did I opt to pay for credit monitoring services. I told him that my birth certificate and VA letters were stolen from my mailbox and was a victim of identity theft. He would not release any other information regarding this account so that I could give to the police in order to find the person committing the identity theft. My complaint is that the Transunion company did nothing to validate this person 's identity nor did they notify me of this secondary account was created instead just disabled my actual account with Transunion. This allowed the person to see my whole credit report freely and allowed them full access to all my personal information. 

This will be my second attempt to gain more information regarding this second online created through the Transunion website as the first response did not address this concern. A major breach to my credit file was completed via the Transunion website and no information regarding this secondary online account was address or released.

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 2021-09-15 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: NC

Complaint narrative:
To whom it may concern all of the following I never ever applied for. I have no knowledge of. Was never authored by me, Today 's date is XX/XX/XXXX. Over the past few months I have tried to get these this inaccurate on my credit report off my file. XXXX  - Card Service Inquiry from XX/XX/XXXX, XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX XXXX  XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX. Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX - Card Service  Inquiry from XX/XX/XXXX, XXXX/XXXX  XXXX Inquiry from XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX , XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
To whom it may concern, today is XX/XX/XXXX I noticed on my credit report there are some inaccurate things on my equifax that shouldn't be there. Maybe they are also on the other credit agencies also I am unsure. I called the company and explained it was fraud a while back and they said they would remove it due to the fact i never signed anything and have no knowledge of the erroneous inquiry 's there talking about. There is a company State Employees Cred keeps running my credit score i will give you the dates now. I told them to block my name from there system as it's not me requesting here are the dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am unsure how this keeps happening and I was told by customer service months ago and today this would all be taken care of. I do not believe them. I was told by a friend to come here that you guys fix inaccurate information. I never authorized all those hard inquires. Have no knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: NC

Complaint narrative:
To whom it may concern, today is XX/XX/XXXX I noticed on my credit report there are some inaccurate things on my XXXX  that shouldn't be there. Maybe they are also on the other credit agencies also I am unsure. I called the company and explained it was fraud a while back and they said they would remove it due to the fact i never signed anything and have no knowledge of the erroneous inquiry 's there talking about. There is a company XXXX XXXX XXXX keeps running my credit score i will give you the dates now. I told them to block my name from there system as it's not me requesting here are the dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am unsure how this keeps happening and I was told by customer service months ago and today this would all be taken care of. I do not believe them. I was told by a friend to come here that you guys fix inaccurate information. I never authorized all those hard inquires. Have no knowledge of it.

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 2021-09-15 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: Continental Credit Control
State: FL

Complaint narrative:
My name is XXXX XXXX. It has been brought to my attention that XXXX XXXX reporting inaccurate information concerning accounts listed on my consumer report. Therefore it shows inconsistency with who I am and who you portray me to be. I'm appalled and offended that you had left me with no other option but to report this behavior and offense to the Attorney General Office, The Courthouse Clerk to litigation, FTC and the XXXX. Cc I have filed a report at the Attorney General Office for fraud due to the fact of not having any written consent to furnish such information. I have no knowledge of the account or information that is on my consumer report. I am enforcing 5 calendar days for this to be resolve without any EOSCAR. I do not consent to EOSCAR. I repeat if this matter isn't resolve I will seek litigation at my county courthouse as I have been given instructions by the Attorney General to move forward and file a lawsuit. XXXX XXXX {$1300.00} XXXX. XXXX XXXX XXXX {$430.00} XXXX. XXXX XXXX  & O

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: MS

Complaint narrative:
Someone has access to my personal information. There are inquiries on my personal credit report that I did not authorize. I want these inquiries removed immediately. XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Thank You.

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 2021-09-15 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My chase credit card had 3 charges show up that were not mine. They were all places I dont go to - liquor store, fish market, and a gas station Ive never been to. The fish market was refunded but they are refusing to refund the gas and liquor charges which equal over {$110.00}. They claim I received a benefit from those charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-15 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: FL

Complaint narrative:
Ive been a victim of identity theft. Please help me understand how Equifax is investigating this matter. Other credit bureaus have deleted items. Equifax says they verified, how can they verify this. My credit report hasnt been updated in about 60 days. Per Fcra they have 4 or 5 days to block information from my report, I believe I read. Again Equifax is the only bureau how hasnt deleted fraudulent items. I believe I will have to file a complaint with FTC and hire legal counsel, because this is a violation. Please see attached FTC Report and proof of identity. The following accounts are XXXX XXXX {$500.00} XXXX. XXXX XXXX ( XXXX XXXX XXXX ) {$590.00} 3 XXXX  XXXX  XXXX {$610.00} Ive never done business with these companies or entered into a signed contract. Please Delete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: NC

Complaint narrative:
To whom it may concern there was identity theft on my account with transunion. I have all these hard pulls. I never went to any of these places and applied for there products. XXXX/XXXX  Inquiry from XXXX XXXX XXXX XXXX, Bank XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX  XXXX Inquiry from XXXX XXXX, XXXX, Bank XXXX XXXX Inquiry from XXXX XXXX, XXXX, Bank XXXX  Inquiry from XX/XX/XXXX, XXXX  XXXX  Inquiry from XX/XX/XXXX, XXXX  XXXX  Inquiry from XX/XX/XXXX, XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX, Bank XXXX/XXXX  Inquiry from XX/XX/XXXX, Bank XXXX Inquiry from XX/XX/XXXX, XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX, XXXX  XXXX/XXXX  Inquiry from XX/XX/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 2021-09-15 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: FL

Complaint narrative:
To Whom It May Concern, On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my third request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.

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 2021-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC

Complaint narrative:
The loan amount was XXXX. I did not understand that I would have to pay 599.9968 % interest over a ten month period. 

I reached out the lender to request to pay the loan off early and was told that I am not allowed to do so. 

I have made several payments and feel that the loan is structured in a predatory manner. 

Over the course of 10 months, the total amount to be repaid will be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX. It has been brought to my attention that XXXX XXXX reporting inaccurate information concerning accounts listed on my consumer report. Therefore it shows inconsistency with who I am and who you portray me to be. I'm appalled and offended that you had left me with no other option but to report this behavior and offense to the Attorney General Office, The Courthouse Clerk to litigation, FTC and the XXXX. Cc I have filed a report at the Attorney General Office for fraud due to the fact of not having any written consent to furnish such information. I have no knowledge of the account or information that is on my consumer report. I am enforcing 5 calendar days for this to be resolve without any EOSCAR. I do not consent to EOSCAR. I repeat if this matter isn't resolve I will seek litigation at my county courthouse as I have been given instructions by the Attorney General to move forward and file a lawsuit. XXXX XXXX {$1300.00} 2. Portfolio Recovery A {$430.00} XXXX. XXXX XXXX  & XXXX

Company response to consumer: Closed with explanation