vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
NEW INFORMATION NEW UPDATE Notice of default and opportunity to cure. 

On XX/XX/2022 a claim was presented to Equifax violating my rights and unathorized disclosure pursuant to 15 USC 1681r. Equifax failure to comply within the 30 days required by Law. See Exhibit A.

I conditionally accept your offer upon proof of bona fide claim.

I have the right to Clear, Complete and Accurate information regarding my consumer report and consumer file. I also have the right to ask questions and you have a duty to answer them.

Notice Pursuant to 15 USC 1681b ( 2 ) -Permissible purpose of a consumer report. 

1. Do you have the authority to furnish anything on my consumer report or consumer file without my consent or written instructions? If yes, in good faith or under Penalty of Perjury please produce or provide sufficient evidence or documentary material facts to support your claim.

Notice failure to comply under law leads me to believe you may be committing FRAUD and shall incur a penalty and/or criminal liability of a XXXX XXXX dollars ( {$100000.00} ). 

Notice Pursuant to 15 USC 1681r further reporting of inaccurate or incomplete or unauthorized disclosure of alleged account reporting in question if you knowingly and willfully continue to be unlawful i will file a claim against you by way of Trespass, FRAUD, Breach of Privacy Rights, Dishonor and unauthorized disclosure by unlawful officers or employees of Equifax and shall incur a penalty and/or criminal liability of {$10000.00} a day upon receipt of this offer. 

Regards, XXXX XXXX a man

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: SC

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$0.00} XXXX & XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-07-28 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX  XXXX XXXX Date Opened : XX/XX/2013 Balance : {$25000.00} and XXXX  XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00} If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

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 2022-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2022 a yearly subscription payment caused my Chase Checking account to drop below {$1500.00} which is the minimum needed to not incur a monthly service fee. 

I do not use this account regularly, and only noticed today, after 6 months of XXXX XXXX monthly service fees have been taken. 

No attempt to contact me to make me aware of this fee was made at any time, as proven by the lack of messages in my account. 

Fees at this level, and with zero attempt to contact the customer is blatant exploitation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. The following information therefore needs to be re-investigated. 
LVNV Funding Acct # XXXX I have attached my credit report from both XXXX and XXXX and each one have very contrasting payment history. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: SC

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} 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 non-monetary relief
Consumer complaint received 2022-07-28 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: SC

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: SC

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 accounts or information which is found to be opened due to identity theft. The dispute accounts 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 these files. 
XXXX XXXX  XXXX Balance : {$0.00} FST XXXX XXXXXXXX Balance : {$980.00} FST XXXX  XXXX Balance : {$1100.00} TD XXXX XXXX  XXXX Balance XXXX {$2000.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$90.00} XXXXL XXXX Balance : {$31.00} If you feel there is a possibility these accounts 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 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 2022-07-28 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is 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 remove these files. 


XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$79.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$2100.00}

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 2022-07-28 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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agencies 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. Experian 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 XXXX XX/XX/202XXXX XXXX  XXXX XX/XX/2022

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 2022-07-28 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 — Was not notified of investigation status or results
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
A certified letter was sent to Transfinancial Companies on XXXX XXXX United States Postal Services display " delivered '' from a company representative on XXXX at XXXX am ; Tracking # XXXX ) displaying their Violations of Fair Credit Reporting Acts. Transfinancial Companies has ignored the complaint, failed to adhere to the requested information per the law & failed to delete the company 's fraudulent reporting to XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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 Credit Reporting Agencies 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 XXXX XX/XX/2022 CAPITAL XXXX XX/XX/2022

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 2022-07-28 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:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items 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 the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: SC

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 accounts or information which is found to be opened due to identity theft. The dispute accounts 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 these files. 
XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$2000.00} XXXX  XXXX Balance : {$6800.00} XXXX  XXXX Balance : {$90.00} XXXX  XXXX Balance : {$31.00} If you feel there is a possibility these accounts 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 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 2022-07-28 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: SC

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 accounts or information which is found to be opened due to identity theft. The dispute accounts 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 these files. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$2000.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$90.00} XXXX XXXXXXXX Balance : {$31.00} If you feel there is a possibility these accounts 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 2022-07-28 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: CA

Complaint narrative:
I have been a victim of identity theft and this fraudulent XXXX XXXX account has been removed and resubmitted today. This fraudulent account has does not belong to me and I never had a contract or account with XXXX  XXXX. this fraudulent account is putting me in financial ruin and ruining my chances at getting 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 non-monetary relief
Consumer complaint received 2022-07-28 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:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items 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 the alleged identity theft. 
These following items listed below are unknown to me. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXXXX/XX/2021

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 2022-07-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been a victim of identity theft and this fraudulent capitol one account has been removed and resubmitted today. This fraudulent account has does not belong to me and I never had a contract or account with capitol one. this fraudulent account is putting me in financial ruin and ruining my chances at getting a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: NC

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus 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 # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} 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