vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-10 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:
This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$5400.00}, XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$11000.00}

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 2022-10-10 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: CarMax, Inc.
State: IL

Complaint narrative:
in accordance with the fair credit reporting act carmax has violated my rights under 15 USC 1682 section 6 o2 states I have the right to privacy. 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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 sent a letter on XX/XX/2022 to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} ; XXXX Balance Original Creditor : XXXX XXXX Texas XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX Date of Inquiry : 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 2022-10-10 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 sent a letter on XX/XX/2022 to remove the following items that are UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 TX XXXX ; XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$200.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} ; XXXX XXXX XXXX Date of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: AL

Complaint narrative:
Im not sure if the specific dates. Ill have to search for the email. Credit karma pre approved me multiple times for a credit card but I was never approved. Im positive it was between the years XXXX. My credit was affected every time it said I was pre approved but I never was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is to inform the CFPB that Equifax and XXXX XXXX, XXXX have once again placed a dubious account back on my credit report. The account was disputed and removed from my credit file. The same account has been resold three times by numerous collection agencies and placed on my Equifax and XXXX credit files. 
Partial account number XXXX. 
XXXX XXXX XXXX thievery attempt to collect an erroneous debt is also in violation of the NO PARKING RULE. Which states, debt collectors can " not report your debt or your supposed debt to credit reporting agencies without first trying to contact the consumer. 
If this illegal account isnt removed from my credit file immediately, I will be contacting an attorney and seeking the maximum remedy allowed by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please remove the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed below XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$33.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX submitting this CFPB complaint once again, to remind the Credit Reporting Agencies of their indifference and laziness to correct my Credit File thus resulting to the disputed fraudulent accounts still reporting on my Credit File. This is my 7th CFPB Complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information 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. I need the Credit Bureaus to remove the following items completely from my Credit File ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$25.00}. Also, the Credit Bureaus have been claiming that the disputed items have been verified and yet they have failed to send me copies of documents proving their Verification or documents bearing my signature. Despite the lack of evidence, the credit Bureaus are still reporting the disputed accounts on my Credit File which is a violation of a consumer 's rights under the Fair Credit Reporting Act.

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 2022-10-10 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: FL

Complaint narrative:
I am appalled by the lack of responsibility on your behalf. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 6 months my requests have been overlooked. Discontinue the stall tactics and please repair the disputed accounts. I took the liberty t investigate my Credit File, since the Credit Bureaus seems to not do so, and I took notes of the following : 1 ) despite the multiple dispute attempts I have been doing, the Credit Bureaus do not include on the report that the accounts are disputed ; 2 ) the information that the Credit Bureaus do not match each other, there are information that are different than the other Credit Bureau ; and 3 ) the Credit Bureaus are clearly not reporting accurate information on the disputed accounts. I have been keeping my own payment records for each account and what they report on my Credit File is totally different from what I have. I need the Credit Bureaus to remove the late payments from the disputed accounts. 

XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}

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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America closed a credit card I had with the bank. The card is closed and they are still reporting as if it is open.

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 2022-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
In regards to a complaint with Ally Financial and the case being closed because the replied is at it seems. The first complaint was never responded with proof by mail or thru the CFPB. A request for accounting per GAAP regulations, which a consumer is completely entitled to. Ally representative sent a copy of a document which does not qualify as accounting is not proper verification. Upon looking and reading over the Contract, Ally Financials name was not placed anywhere on the document. Also while looking at the document there was no reference to Ally Financial placing a signature on this document. In the response all of the documents were not attached, missing was the Recission of signature document, all of the instruments that were sent to to Ally a the responses stating they do not accept payment in that form. 
Attached is a file claiming the account shows a Charge Off status. This has been done without any authentic real proof of claim. Four notarized Authentic documents sent to Ally by Consumer with no valid response. It is difficult to do any transaction or contract when there are two completely different entities involved. Ally Financial being a legal entitiy, a corporation in a different juristiction registered with government agencies. and other corporate entities. This being a natural person, physical person, with proof of being born in a juristiction not like the corporation.

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 2022-10-10 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please remove the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed below XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2020 Balance : {$33.00}.

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 2022-10-10 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 XXXX XXXX XXXX XXXX submitting this CFPB complaint once again, to remind the Credit Reporting Agencies of their indifference and laziness to correct my Credit File thus resulting to the disputed fraudulent accounts still reporting on my Credit File. This is my 7th CFPB Complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information 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. I need the Credit Bureaus to remove the following items completely from my Credit File ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$25.00}. Also, the Credit Bureaus have been claiming that the disputed items have been verified and yet they have failed to send me copies of documents proving their Verification or documents bearing my signature. Despite the lack of evidence, the credit Bureaus are still reporting the disputed accounts on my Credit File which is a violation of a consumer 's rights under the Fair Credit Reporting Act.

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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am appalled by the lack of responsibility on your behalf. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 6 months my requests have been overlooked. Discontinue the stall tactics and please repair the disputed accounts. I took the liberty t investigate my Credit File, since the Credit Bureaus seems to not do so, and I took notes of the following : 1 ) despite the multiple dispute attempts I have been doing, the Credit Bureaus do not include on the report that the accounts are disputed ; 2 ) the information that the Credit Bureaus do not match each other, there are information that are different than the other Credit Bureau ; and 3 ) the Credit Bureaus are clearly not reporting accurate information on the disputed accounts. I have been keeping my own payment records for each account and what they report on my Credit File is totally different from what I have. I need the Credit Bureaus to remove the late payments from the disputed accounts. 

XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}

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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am appalled by the lack of responsibility on your behalf. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 6 months my requests have been overlooked. Discontinue the stall tactics and please repair the disputed accounts. I took the liberty t investigate my Credit File, since the Credit Bureaus seems to not do so, and I took notes of the following : 1 ) despite the multiple dispute attempts I have been doing, the Credit Bureaus do not include on the report that the accounts are disputed ; 2 ) the information that the Credit Bureaus do not match each other, there are information that are different than the other Credit Bureau ; and 3 ) the Credit Bureaus are clearly not reporting accurate information on the disputed accounts. I have been keeping my own payment records for each account and what they report on my Credit File is totally different from what I have. I need the Credit Bureaus to remove the late payments from the disputed accounts. 

XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: NY

Complaint narrative:
In accordance with the fair credit reporting act, the account listed below violated my federally protected consumer rights to privacy and confidentiality XXXXnder15USC1681. 

Account name and # XXXX XXXX XXXX Account name and # XXXX XXXX XXXX XXXX Account name and # XXXX XXXX XXXX XXXX Account name and # XXXX XXXX  XXXX Account name and # XXXX XXXX  XXXX Account name and # XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 6018 A. states I have the righttoprivacy 15 USC 1681 section A section 2 also states a consumer reporting agency can not furnish an account without my writteninstructions.

15 USC 1681 ( a ) ( 5 ) sections state : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more thansevenyears 15 USC 1681s -2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that informationisinaccurate

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