vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-18 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: TX

Complaint narrative:
FCRA violations : not my name XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$22.00} XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Account charged off. {$19000.00} written off. {$19000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX negative Date opened XX/XX/XXXX XXXX {$1500.00} XXXX Account charged off. $

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have submitted disputes to you and didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. 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 non-monetary relief
Consumer complaint received 2022-08-18 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: NC

Complaint narrative:
I have submitted disputes to you and didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. 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 non-monetary relief
Consumer complaint received 2022-08-18 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: CA

Complaint narrative:
I have me several attends to remind you of your duty pursuant 15 USC 1681. It appears that youre intentionally and willing being neglectful in remedying my affairs. 15 USD 1681e ( b ) assures that I'm due, promised accuracy in my report base in federal law. I am making this call as another attempt to have these errors connected on my credit report. 15 USD 1681i ( A.5 ) says all unverified information mist be promptly removed. This infomation was update without proof of wet signtures, eoscar permission or any documentation. 


In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Experian account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX Experian account XXXX XXXX account XXXX XXXX XXXX XXXX Experian account XXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXX XXXX Experian account XXXX XXXX account XXXX XXXX account XXXX XXXX  XXXX Experian account XXXX XXXX account XXXX XXXX account XXXX XXXX of XXXX XXXX XXXX account XXXX XXXX account XXXX XXXXXXXX XXXX Experian account XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX following inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2022-08-18 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: SC

Complaint narrative:
I am a natural person and living human being. I am aware that I have consumer rights under 15 US CODE 1681 and 15 US CODE 6802. 

Equifax is governed by 15 USC 1681 and 15 USC 6802 and they have violated my rights numerous times. I demand all the accounts listed below be deleted from my consumer report because according to 15 USC 1681 and 15 USC 6802, I have the right to privacy and I did not provide Equifax written permission or instructions to furnish these accounts on my consumer report. This is not a request for verification or validation of debt. I want Equifax to do what is fair and equitable to me as a consumer. 

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 ***Please also see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Hello, Equifax is reporting that a payment to XXXX XXXX XXXX XXXX was late for XXXX XXXX it was not. I have the information from the other XXXX bureaus to show it is not. Equifax must update my payment history and reflect this account was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
I feel like I'm being taken advantage of being ignored of my disputes!! I already dispute this account as I can see that you are reporting inaccurate information. This is not mine please remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act my rights have been violated. 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 recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I sent Experian and XXXX dispute letters via certified mail, requesting the organization to update my personal information to reflect the accurate spelling of my name, address, telephone number, and employment. I also requested the removal of any duplicate personal information. In addition to my initial request, I asked for the XXXX organizations to send an updated copy of my credit report reflecting the changes I requested. As a result, Experian and XXXX ignored my request. They did not make the changes to my credit report even after sending a copy of my driver 's license, which displays my current address and correct spelling of my name. Also, they failed to send a copy of my credit report after I requested. 

Certified Mail Receipt number : 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 2022-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Around XXXX XXXX, XXXX tried to apply for a credit card to XXXX XXXX but I got denied and they sent me a letter stating that the reason for the denial is I have delinquent payments.I then checked online for my Credit report history and found out that someone opened a fraudulent accounts under my name.I tried to dispute it XXXX XXXX XXXX I called XXXX to ask them about the problem and the costumer service told me to report the problem to you guys. the amount of the outstanding balance from the fraudulent accounts are more or less {$40000.00} between the 2 accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act my rights have been violated. 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 recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act my rights have been violated. 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 recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 -US DEPT ED 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX hard inquiry on XX/XX/22, 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 2022-08-18 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: CA

Complaint narrative:
I have me several attends to remind you of your duty pursuant 15 USC 1681. It appears that youre intentionally and willing being neglectful in remedying my affairs. 15 USD 1681e ( b ) assures that I'm due, promised accuracy in my report base in federal law. I am making this call as another attempt to have these errors connected on my credit report. 15 USD 1681i ( A.5 ) says all unverified information mist be promptly removed. This infomation was update without proof of wet signtures, eoscar permission or any documentation. 


In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX account XXXX Transunion account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX Transunion account XXXX XXXX XXXX XXXX XXXX account XXXX Transunion account XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX Transunion account XXXX XXXX account XXXX XXXX XXXXXXXX XXXX account XXXX Transunion account XXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXX XXXX Transunion account XXXX XXXX account XXXX XXXXXXXX XXXX XXXXXXXX account XXXX Transunion account XXXX XXXX account XXXX XXXX XXXX Transunion account XXXX XXXX account XXXX XXXX XXXX Transunion account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX Also the following inquiries Transunion 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 2022-08-18 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: CA

Complaint narrative:
I have me several attends to remind you of your duty pursuant 15 USC 1681. It appears that youre intentionally and willing being neglectful in remedying my affairs. 15 USD 1681e ( b ) assures that I'm due, promised accuracy in my report base in federal law. I am making this call as another attempt to have these errors connected on my credit report. 15 USD 1681i ( A.5 ) says all unverified information mist be promptly removed. This infomation was update without proof of wet signtures, eoscar permission or any documentation. 


In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX  account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX Equifax account XXXX XXXXXXXX XXXX XXXXXXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Equifax account XXXX XXXX XXXX following inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
I feel taken advantage of by being ignored in my disputes!! I've already disputed this account because I see you're reporting incorrect information. This is not my account; please delete it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I had reached out on numerous separate occasions asking for a deferment. Each and every time they told me there is nothing they can do I was denied. I told them constantly i can not do it right now. My wife is not working, she has no income. She is fighting with her last job while having a claim in with the state to retrieve her funds that they never released. She is not able to collect unemployment until that is resolved so has no income. It is only mine and I can not afford all the bills by myself. I asked them repeatedly for a XXXX month deferment and they refused to work with me and instead and have no reported me payment as late to the credit bureaus. I have made payments to them and also told them when I got paid again I would pay the month up to date. To them that still was not good enough and would not cut me a break for just XXXX month when during the last several months my wife and I had both lost hours at work prior to this due to some of the covid spikes plus her occupation is not back all the way yet due to being a teacher so has been trying to find things to fill in here and there and they still just keep turning me away. I had to go to a debt program for my credit cards because it all got to be to much with inflation and companies refusing to offer assistance on top of trying to keep my house for my XXXX children. Not to mention the car was involved in a hit and run that now is in the auto shop that I somehow have to come up with money to pay for a deductible when somebody smashed the XXXX side completely up and then left the scene and the cops did nothing about that either.

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 2022-08-18 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX- I didn't give this company authorization to access my credit report for this reason. 

XXXX XXXX XXXX  XXXX I didn't give this company authorization to access my credit report for this reason. 

XXXX I didn't give this company authorization to access my credit report for this reason. 

XXXX XXXX XXXX I didn't give this company authorization to access my credit report for this reason.

US DEPT OF EDUCATION- Still reporting after Paid Off XXXX XXXX XXXX XXXX XXXX - Closed and still reporting

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 2022-08-18 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX- I didn't give this company authorization to access my credit report for this reason. 

XXXX XXXX XXXX XXXXXXXX I didn't give this company authorization to access my credit report for this reason. 

XXXX I didn't give this company authorization to access my credit report for this reason. 

XXXX XXXX XXXX I didn't give this company authorization to access my credit report for this reason.

US DEPT OF EDUCATION- Still reporting after Paid Off XXXX  XXXX XXXX XXXX XXXX - Closed and still reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: NV

Complaint narrative:
I am a natural person, I am a living human being l have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And the violated my rights numerous of times. I demand the account listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts XXXXXXXX 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

Company response to consumer: Closed with explanation