vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
SEE ATTACHED. PURSUANT TO FEDERAL LAW THE BURDEN OF PROOF IS UPON THE CARD ISSUER. YOU CAN NOT ENFORCE LIABILITY OF THE ALLEGED DEBT WITHOUT LEGAL PROOF. PLEASE PROVIDE ALL EXHIBITS PROVING MY LIABILITY FOR THE ALLEGED DEBT IN REFERENCE TO ACCOUNT # ( 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 2022-07-16 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: MD

Complaint narrative:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 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. XXXX has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is 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. XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/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 2022-07-16 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: MD

Complaint narrative:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax 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. Equifax has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is 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. XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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:
I am dissapointed to see the Credit Buraeus take no action in order to correct my Credit file and and delete the fraudulent information in my Credit report. I have been send ing dispute letters as well as submitted countless complaints through the CFPB in order to notify the Credit Bureaus regarding my intention to correct my Credit File. The last letter I sent to te Credit bureaus was XX/XX/XXXX, in hopes that the Credit Bureuas would finally take a look on my Complaints. By ignoring my Dispute letters and failing to respond, the Credit Bureaus have failed to comply with the FCRA regulation especially with the FCRA section 605b which requires the Credit Bureaus to remove any account and information that resulted due to Identity theft. I am tempted to pursue legal action against the Credit Bureaus and I have informed my legal counsel about my plans and they are more than willing to help me. If it is not too much trouble, I need the following items deleted as soon as possible. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX  XXXX  Opened XXXX. XXXX, XXXX Balance {$400.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX. If the Credit Bureaus insist that these items belong to me, I need them to provide me with documentation that contain my siganture to support the Bureaus ' claims that the items were mine. If unable to do so, Remove the disputed items as soon as possible.

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 2022-07-16 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:
I am dissapointed to see the Credit Buraeus take no action in order to correct my Credit file and and delete the fraudulent information in my Credit report. I have been send ing dispute letters as well as submitted countless complaints through the CFPB in order to notify the Credit Bureaus regarding my intention to correct my Credit File. The last letter I sent to te Credit bureaus was XX/XX/XXXX, in hopes that the Credit Bureuas would finally take a look on my Complaints. By ignoring my Dispute letters and failing to respond, the Credit Bureaus have failed to comply with the FCRA regulation especially with the FCRA section 605b which requires the Credit Bureaus to remove any account and information that resulted due to Identity theft. I am tempted to pursue legal action against the Credit Bureaus and I have informed my legal counsel about my plans and they are more than willing to help me. If it is not too much trouble, I need the following items deleted as soon as possible. XXXX XXXX XXXX XX/XX/XXXX XXXX, TX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, OK XXXX XX/XX/XXXXOpened XXXX. XXXX, XXXX Balance {$400.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX Inquiry Date XX/XX/XXXX. XXXX, XXXX XX/XX/XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XX/XX/XXXXInquiry Date XXXX XXXX, XXXX XXXX XX/XX/XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX. If the Credit Bureaus insist that these items belong to me, I need them to provide me with documentation that contain my siganture to support the Bureaus ' claims that the items were mine. If unable to do so, Remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: MA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$13.00}

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 2022-07-16 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: TX

Complaint narrative:
How many times do I have to tell the Credit Bureaus that the references for the late payment on these accounta re erroneous and misleading causing negative impact on my Credit File? I previously requested for the investigation and correction of this account and yet the Credit Bureaus have done nothing. Let me remind the Credit reporting Agencies that they are obliged to investigate and update the disputed accounts per consumers requests under the FCRA regulation. Once again, I am requesting that the Credit Bureaus would take their time to THOROUGHLY investigate and CORRECT these erroneous account to report accurate information on my Credit Report : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$210.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$300000.00} XXXX XXXX XXXX Balance {$740.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$98.00} XXXX XXXXXXXX XXXX Opened 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 2022-07-16 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:
How many times do I have to tell the Credit Bureaus that the references for the late payment on these accounta re erroneous and misleading causing negative impact on my Credit File? I previously requested for the investigation and correction of this account and yet the Credit Bureaus have done nothing. Let me remind the Credit reporting Agencies that they are obliged to investigate and update the disputed accounts per consumers requests under the FCRA regulation. Once again, I am requesting that the Credit Bureaus would take their time to THOROUGHLY investigate and CORRECT these erroneous account to report accurate information on my Credit Report : XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$210.00} XXXX  XXXX XXXX XXXX XXXX XXXX Balance {$300000.00} XXXX XXXX XXXX Balance {$740.00} XXXXXXXX XXXX XXXX XXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$98.00XXXX XXXX XXXXXXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16 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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX have 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. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is 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. XXXX XX/XX/2021 ; XXXX XXXX  XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: OH

Complaint narrative:
File dispute on XXXX XXXX XXXX  account And XXXX XXXX  after 5 days they closed dispute with verified accounts and remain Theres no way either account could of been properly verified as mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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:
I received a copy of my credit report and notice some hard inquires that i don't recognize. 

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 2022-07-16 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: MA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$13.00}

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 2022-07-16 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: MA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$13.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: MA

Complaint narrative:
XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents including my FTC Report to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/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 2022-07-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Back in XXXX I walked into my local Wells Fargo Branch to get a replacement debit card, they sat me down with a banker and while he was " replacing it '' he informed me that I needed a credit card and that I was already approved ( ran my credit without consent ). I told him that I never had a credit card and I wasn't sure about it, he said everyone did and that I was already approved and the card would be on its way. I was too young to know better so I just walked away and when I got my card in the mail I started using it. Fast forward a couple years later to XXXX, I was getting everything ready to leave the country to go study abroad. I went into my local branch again to make sure my card was closed, I had perfect credit and didn't want anything to happen while I was gone. The banker was supposed to help me close it, he even " helped me '' schedule the last payment which was supposed to be automatically transferred from my account. According to him everything was settled and the card was closed. When I came back in XXXX, I was given a bunch of mail from Wells Fargo saying that my credit card was sent to collections and my credit was ruined. I filed several complaints with that branch but since I didn't have any receipts on the payment, they said they could not do anything. I was forced to pay the full amount that was supposed to be paid when the banker helped me plus interest plus fees. Now, more than 6 years after the account was supposed to be closed, it's still affecting my credit and it is making it very difficult to qualify for a mortgage.

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 monetary relief
Consumer complaint received 2022-07-16 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: GA

Complaint narrative:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion XXXX XXXX XXXX have 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. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is 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. XXXX XX/XX/2021 ; 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 2022-07-16 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:
This is my 5th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Experian and XXXX are require to remove any item which 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. XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XX/XX/2021 ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 2022-07-16 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: MA

Complaint narrative:
XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents including my FTC Report to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/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