vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$130.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: FL

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible DEPT OF EDXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$440.00} DEPT OF EDXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX Opened XX/XX/XXXXXXXX Balance {$600.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$3600.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3800.00} XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$8.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$44000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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 submitted several letters to XXXX disputing this Account with ( XXXX XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION : Last verified '', ''closed date '', ''last payment '' and ''creditor remarks ''. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED. 

In addition, I have been sending dispute letters to XXXX and they have FAILED to update the ''dispute status '' of this account. 

According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against XXXX XXXX XXXX and ( XXXX XXXXXXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2022-08-05 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 submitted several letters to XXXX disputing this Account with ( XXXX XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION : Last verified '', ''closed date '', ''last payment '' and ''creditor remarks ''. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED. 

In addition, I have been sending dispute letters to XXXX and they have FAILED to update the ''dispute status '' of this account. 

According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against XXXX credit bureaus and ( XXXX  XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: VA

Complaint narrative:
Experian has not responded to my dispute. Instead it updates the entry with no changes. When i open a new dispute with proof it then forcefully closed the complaint stating it was duplicate complaint. Experian refuses to correct the documented entry on Experian Credit Bureau. I have made multiple attempts with various causes to justify my dispute, all have been ignored. The dispute regards to a documented late payment posted on XX/XX/XXXX, by XXXX XXXX XXXX  revolving account. The account number is displayed as XXXX. Prior to the most recent complaint Experian lied about concluding my dispute. I have attached an image showing Invalid data that was clearly an error that was not verified or corrected.

( 1 ) Under 15 U.S.C 1681 Section 602 A. It State I have the right to privacy. ( 2 ) 15 U.S. Code Section 1666b. a creator may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 
XX/XX/XXXX I called Experian and opened a new dispute. Which shows XXXX  XXXX violated my rights under the CARES Act which was activated in XXXX due to the National Disaster, COVID Pandemic. In which is still current. Federal Law Prohibits Negative Credit Reporting. The CARES Act, which was signed into law on XX/XX/XXXX, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) My account received accommodations which included waived late fees and placing my account into financial hardship programs due to temporary loss of income. My account was paid and placed in a current status and has been. However, the entry was never updated to reflect current. Hence, late payments reported is not complying with CARES Act and the FCRA.

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 2022-08-05 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: VA

Complaint narrative:
Experian has not responded to my dispute. Instead it updates the entry with no changes. When i open a new dispute with proof it then forcefully closed the complaint stating it was duplicate complaint. Experian refuses to correct the documented entry on Experian Credit Bureau. I have made multiple attempts with various causes to justify my dispute, all have been ignored. The dispute regards to a documented late payment posted on XX/XX/XXXX, by XXXX XXXX XXXX  revolving account. The account number is displayed as XXXX. Prior to the most recent complaint Experian lied about concluding my dispute. I have attached an image showing Invalid data that was clearly an error that was not verified or corrected.

( 1 ) Under 15 U.S.C 1681 Section 602 A. It State I have the right to privacy. ( 2 ) 15 U.S. Code Section 1666b. a creator may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 
XX/XX/XXXX I called Experian and opened a new dispute. Which shows XXXX XXXX violated my rights under the CARES Act which was activated in XXXX due to the National Disaster, COVID Pandemic. In which is still current. Federal Law Prohibits Negative Credit Reporting. The CARES Act, which was signed into law on XX/XX/XXXX, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) My account received accommodations which included waived late fees and placing my account into financial hardship programs due to temporary loss of income. My account was paid and placed in a current status and has been. However, the entry was never updated to reflect current. Hence, late payments reported is not complying with CARES Act and the FCRA.

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 2022-08-05 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: FL

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: GA

Complaint narrative:
I paid off 5 accounts on this year to settle my debts but instead of all of the credit reporting agencies reporting that I settle all debt on my credit report they deleted all accounts so that it would look like to lenders that I had no credit at all also I didn't receive any points on my credit score for paying off my debts but when the accounts was being owed all the credit reporting agencies would report derogatory info on my credit causing my credit to drop all the way to XXXX credit score. after I disputed to the credit reporting agencies that rent recovery had reported false information on my credit and padded me and my wife credit report with XXXX worth of charges when it should have only been XXXX worth of charges and all they said is to me that XXXX XXXX  info was correct with no other explanation couldnt show me where they got that XXXX figure from all of the information of credit reporting agencies is inaccurate I even reached out to rent recovery and tried to offer them XXXX dollars to settle the account which was more than we owed but they still rejected my offer also the credit reporting agencies are allowing them to update their reporting each month just as the incident just happen all of this been going on since XX/XX/2019 credit reporting agencies are ruining people 's lives including me and my family causing me my wife and XXXX old daughter to be XXXX because they won't report my credit correctly they won't give me credit for paying off all those accounts and they continue to say I own XXXX to a debt collector that is only owed XXXX dollars that could have been paid off by now but they continue to are me and my family suffer I hope by me telling my story alot more people who have experience the same heartache, stress and the XXXX XXXX that I have experienced through these companies and they will find the courage to come forth as well Here is receipts to all of the creditors I settle with this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: FL

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-08-05 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
In accordance with the fair credit reporting fair collections & Out has violated my rights. 15USC 1681 Section 602 states i have right to privacy 15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without written permission.

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 2022-08-05 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: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

CHECKNGO/AXF XXXX Date Opened XX/XX/2019 XXXX {$0.00}. 

Please remove/block the disputed item as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I filed a complaint about JP Chase Bank XX/XX/2022 not properly handing my bank account when it came to a court ordered XXXX. The funds in my account were completely exempt from XXXX and garnishment under THE DEPARTMENT OF THE TREASURY BUREAU OF FISCAL SERVICES 31CFR Part 212.4 ; FEDERAL RULES AND REGULATIONS CFR 581.104 ( j ), 76 FR 9939, 78 FR 32099 ; and also payments made pursuant to sections 1381 et seq., of title 42 of the United States Code ( title XVI of the Social Security Act This is an update to complaint # XXXX and # XXXX that I filed with the Consumer Financial Protection Bureau that they closed and did not take my complaint serious! 

I went to court on XXXX XXXX the judge decided that the funds in my account WHERE EXEMPT FROM GARNISHMENT AND LEVY ; which means JP MORGAN CHASE IN FACT VIOLATED the rules and regulations put in place by THE DEPARTMENT OF THE TREASURY BUREAU OF FISCAL SERVICES to assure Banks do their DUE DILIGENCE when handling warrants for garnishment and levy on consumers accounts! Chase mismanaged my money, and my CIVIL RIGHTS were violated and I'm ready to file a lawsuit!! 

All discoveries are uploaded below!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: MD

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX*Balance : {$0.00} XXXX XXXX Balance : {$380.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX*Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2022-08-05 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: MD

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$58.00} XXXX XXXX Balance : {$380.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX*Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2022-08-05 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: MD

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: NY

Complaint narrative:
There are items on my credit report that are violations of the FCRA. There is invasion of my privacy and defamation of my character. No consent, Identity theft!

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 2022-08-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX  XX/XX/2021 Inquiry XXXX XXXX | XX/XX/2021 Inquiry XXXX XXXX XXXX  | XX/XX/2021 Inquiry XXXX XXXX XXXX | XX/XX/2021 Inquiry XXXX XXXX XXXX | XX/XX/2021 Inquiry

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