vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In XXXX of 2021 I lost my wallet that included my drivers license social security card and other identifying information. Due to this someone made several fraudulent inquiries, and opened up several credit cards fraudulently in my name, I would like for all of these items to be deleted. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!

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 2024-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P.
State: TN

Complaint narrative:
The is a debt collection company by the name of PARAMOUNT RECOVERY SYSTEMS who parked debt on my consumer report without ever contacting or notifying me. I, XXXX XXXX do not know where this debt came from. This company is neither licensed to collect in the state of XXXX and in the state of XXXX. They have violated my rights because I was never given the opportunity to dispute the debt, I did not receive any disclosures, and they are damaging my reputation. This company is also violating the FCRA and FDCPA by reporting two of the same account on my consumer reports. This is deceptive and abusive behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
After the Equifax breach in XX/XX/XXXX, I froze my credit reports at each of the major ratings agencies, including Equifax. Although I have had no problems temporarily lifting a freeze when necessary at XXXX and XXXX, I am unable to login to MyEquifax. I keep getting the following message : " We are temporarily unable to complete this request. Please try again later. '' I tried multiple times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( all XXXX ) and tried with XXXX, XXXX, XXXX, and XXXX  browsers. I've disabled ad blockers and turned off my VPN. Nothing worked. I hoped that it was a temporary issue, so I tried again today ( XX/XX/XXXX ) with the same result on all browsers. A search of this error message shows people encountering the same issue for years. I can only assume that Equifax is deliberately limiting access to its site with the hope that people will just give up and unfreeze access to their credit reports altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit report dated XX/XX/XXXX, at Equifax contains Inquiries that I never authorized, nor did I do business with these companies. The following inquiry was not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Also, account # XXXX with XXXX XXXX XXXX XXXX is reporting as " CHARGE OFF/ WRITTEN OFF '' for the total amount stated yet I have received no tax forms from the IRS nor XXXX  XXXX XXXX XXXX so that I can file my taxes accordingly. This XXXX account is reporting inaccurate adverse information. Also, US DEPT OF EDXXXX has taken over ownership of account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX from XXXX XXXX, the original creditor, as a third party on the face of the transaction without notifying the principle. The US DEPT OF ED/XXXX  is reporting information that does not coincide with the original contract. Account # XXXX is a duplicate account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
XXXX of XXXX is not my bank I do not do any business there and they sent me this Email they were closing my account which I do not have

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft please see attached document I have already sent in my identification documents and I sent in police report and identity theft affidavit signed and notarized I have also sent in my disputes just attached this last letter in addition to my dispute so this is not a second attempt this is still my first attempt please add this in to my first dispute as I am sending this in a day later thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I have requested that the company cease and desist all communication the company is not authorized to collect a debt from me I do not own a debt with them! They refuse to stop reporting on my credit. I have revoked all rights for them to communicate with me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
The late payment dates dont match the information is incorrect

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 2024-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
XXXX XXXX is suing me for {$1200.00} in a civil suit. I have already registered a complaint against the nefarious activities of XXXX XXXX. As noted there, this lawsuit has caused mental, emotional, and physical harm. And this lawsuit has stolen a job opportunity from me to become a XXXX XXXX for XXXX  and XXXX XXXX. 

As an XXXX XXXX XXXX XXXX XXXX I know firsthand what sort of financial peril lies in waiting for this population ( e.g., civil suits such as this one ). And to rob me of this opportunity robs the teacher and nonprofit community of an excellent advisor who would serve their highest interest. 

Here, I would like to file a complaint against the attorneys representing XXXX XXXX in this case : Pressler Felt & Warshaw. 

In XXXX, they signed a consent form prohibiting them from automatically filing lawsuits without documentation- with only affidavits as precedence. 

They filed this civil complaint against me through automation and initially filed it with no documents attached. 

Additionally, this debt is registered to a mailing address in XXXX which I still use. I never stopped receiving mail at the address in PA. I live in New Jersey, and that is where I'm being sued. The debt is time-barred in PA. And neither XXXX XXXX nor their lawyers sent me correspondence about this debt or delivered the complaint to a valid address ( though the address in PA was listed by the original creditor as my mailing address ). 

In this case, Pressler Felt and Warshaw are in violation of their XXXX  consent form. And they committed violations of Section 808 of the FDCPA, 15 U.S.C. 1692f, FDCPA violations asserted in Paragraph 30 constitute violations of Section 1036 ( a ) ( 1 ) ( A ) of the CFPA. 12 U.S.C. 5536 ( a ) ( 1 ) ( A ), and FDCPA violations asserted in Paragraph 30 constitute violations of Section 1036 ( a ) ( 1 ) ( A ) of the CFPA. 12 U.S.C. 5536 ( a ) ( 1 ) ( A ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting 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:
After checking my credit report I still have accounts and reporting and inquiries that I have no knowledge of I have disputed before with equifax about other accounts that have been removed but the following still remain. Accounts : XXXX XXXX ( creditone original lender ). XXXX XXXXXXXX ( date opened XXXX ) XXXX XXXX ( date opened XXXX ) I have not provided verbal or written consent to open up these accounts for them to be reported on my credit report these accounts are fraudulent and must be removed immediately as stated by the Law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting 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:
Dear CFPB, This letter is in regards to the errors in my credit ATTENTION : XXXX TRANSUNION XXXX I received notice from my broker while applying for a home loan that my consumer report is showing that I am an Authorized signer for a XXXXXXXX XXXX XXXXXXXX XXXX that has a debt amount for {$3.00}, XXXX. I have no recollection of being a signer for this Bank XXXX nor do I have any accounts with this company. In my attempt to rectify this issue, I found the phone number of the bank and asked to speak with a representative. I was told that I was not listed in their system as a signer nor do I have an account with them.

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 2024-02-18 00:00:00
Product: Credit reporting 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:
Dear CFPB, This letter is in regards to the errors in my credit ATTENTION : XXXX XXXX EXPERIAN I received notice from my broker while applying for a home loan that my consumer report is showing that I am an Authorized signer for a XXXXXXXX XXXX XXXXXXXX XXXX that has a debt amount for {$3.00}, XXXX. I have no recollection of being a signer for this Bank XXXX nor do I have any accounts with this company. In my attempt to rectify this issue, I found the phone number of the bank and asked to speak with a representative. I was told that I was not listed in their system as a signer nor do I have an account with them.

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 2024-02-18 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
This is an addition to the first dispute I forgot to send this off so please add to my first dispute this is not in error and you have 4 business days to block this information please do this at once

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 2024-02-18 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Hello, I received an AMEX business gift card with XXXX dollars in it, which still has this balance in it when I checked the Americanexpress website. However, I have not been able to use this card at numerous stores online for one-time purchases which are under the balance I have in this card. On top of this, I tried to put the card onto XXXX XXXX to somehow try to resolve the issue but that did not work either, showing me an error message. 

Is there any way to use this gift card or get this money differently?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX have Violated My Rights : Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 than seven years.

15 U.S.C. 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 the information is inaccurate.

Attached below are the documents submitted showing the filing of the report. The Credit Bureau 's have not addressed the fraudulent account opened with XXXX on XX/XX/year>

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX  have Violated My Rights : Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 than seven years.

15 U.S.C. 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 the information is inaccurate. 

Attached below are the documents submitted showing the filing of the report. The Credit Bureau 's have not addressed the fraudulent account opened with XXXX on XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting 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:
XXXX XXXX XXXX  Date of Opening : XXXX XXXX, XXXX Outstanding Balance : {$970.00} Bank Name : XXXXXXXX XXXX Date of Reporting : XX/XX/XXXX Status : CLOSED BAL : {$5700.00} XXXX XXXX XXXX Date of Opening : XXXX XXXX, XXXX Outstanding Balance : {$2500.00} XXXX XXXX XXXX / XXXX Amount of debt : {$0.00} Date of Service : XXXX. XXXX, XXXX And all 14 hard inquiries thats added to credit report that was not done by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting 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:
I've identified information on all my credit reports that are a result of identity theft. These items are not related to any transactions completed by me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On the letter from XXXX XXXX XXXX XX/XX/2022 I have received a a response and on the front page it says XXXX XXXX XXXX and the back it's says XXXX XXXX and they credit XXXX XXXX said XXXX XXXX took the car to the body shop which was a lie because car has been repossessed and if it hasn't like XXXX XXXX XXXX is saying in the letter I received in XX/XX/XXXX it states that it has been repaired using the gap insurance from the XXXX XXXX down payment but how can you have did that if the vehicle wasn't reposed and it stated that I voluntarily signed a contract I will upload the contract and it's not my signature there was two contracts I disputed with Experian they removed one and kept the other this would make the photos that Im uploading valid the vin number has been assigned to a new state it's been declared a total loss which it stated in the letter so it should be upgraded to positive or removed I disputed the amount on the contract with Experian before for being XXXX and they removed one contract and updated the contract to the amount of XXXXalso from the previous dispute with XXXX XXXX on the contract the cfpb sent my complaint to the ftc and I also made an ftc report I will be uploading these documents removing one contract and updating it to another contract regarding 15 us code 1681s-2 responsibilities of furnishers if reporting information to consumer agencies without my consent it's illegal and on the letter credit acceptance sent to me on XX/XX/XXXX it says to settle a debt only if the vehicle did not get repossessed which they did so there saying there not going to remove it which is illegal

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SLM CORPORATION
State: CA

Complaint narrative:
I have XXXX inquiries that I do not recognize listed in the file below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
XXXX delete these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt. nor therefore any such debt, in fact therefore exists Remove immediately XXXX XXXX

Company response to consumer: Closed with non-monetary relief