vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a simple case of me trying to dispute with the credit bureaus, and the bureaus not doing their job, or ignoring me. Back on XX/XX/XXXX, I send disputes to all three credit bureaus as I believe some of the accounts on my report were not reporting correctly. 
I have been waiting patiently since then, and I have not received any investigation results. 
Because of this, I sent the three credit bureaus an additional dispute notice on XX/XX/XXXX, but I have yet to receive any notices or even an acknowledgment that an investigation is taking place. 

I have read the rules on credit bureaus responsibilities under the Fair Credit Reporting Act, and I know the bureaus have violated the law by not even responding to me after 90+ days. All I want is for them to do their job as it is unfair my credit is remaining damaged simply because they won't do their job.

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 2022-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Conn's, Inc.
State: NM

Complaint narrative:
As an Employee Promised ( XXXX XXXX % ) Commission on product, warranty, other insurance to protect both the consumer and the consumer ( s ) ( I.e ) unemployment, XXXX, other. 

Did not receive full pay to hours worked correction is required. One attempt was made to correct but is still short of hours- commission or received as promised as other employees were directed to Steal sales even though I my self approved the account for XXXX  XXXX purchase XXXX deliberately given to another sales-man as I went to hour in which The manager demanded I do, seven ( 7 ) accounts were directly given to other employees with addendums to make the adjustment for the sale to justify as the other sales-man. Attempted Just because I was waged at {$15.00} per hour and the other sales-men waged at {$10.00} still below the base wage per the state of XXXX. Sales commission are not being distributed as per employee to employer contract in which was in fact signed and accepted. Commission pay should include a percentage on products, unemployed, XXXX, short term and life term with or with a peer of attorney from another party pertaining to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: OR

Complaint narrative:
On XX/XX/2022 I received an email from XXXX notifying me of a change in my credit score. I immediately went to the XXXX site to find out what was going on. There is a claim of a debt to a company that goes by the name XXXX XXXX XXXX XXXX XXXX XXXX The collection is for {$390.00}. I have no idea who this company is. However a company called *Pro collect Inc. is the collection agency reporting it. I called that company and they made false statements to me on the phone and referred to me by my maiden name. I have gone by my married name for close to 20 years now, so I knew this was connected to fraud and identity theft. The agent claimed they had been in communication with me for the last 5 months. None of that is true. I've never spoken to anyone from Pro collect Inc. Upon some digging into the company that is claiming the debt is mine, I pulled up a site with the name XXXX XXXX which is located in XXXX XXXX. I have no connection to that country. It is supposedly a company that sells energy. Companies that sell energy don't sell to individuals, so the whole thing is absurd. Now the other name ; XXXX XXXX XXXX does not exist. There is an *XXXX  XXXX XXXX out of Texas. I called them and asked if they had any existing accounts under my information. The agent said no. I have never lived in Texas or XXXX XXXX. I strongly believe that *Pro Collect Inc* is facilitating this fraud and is a part of it. As their agent refused to listen to me and would not provide me with any proof of the debt from the original business. At this point I am trying to get this fraudulent collection removed from my credit report. I also strongly believe the collections agency needs to be federally investigated as they appear to be involved with the fraudulent charge/collection. XXXX XXXX was supposed to dispute this but appears to have done nothing on my behalf. I filed a police report for fraud/identity theft the day I received the email per XXXX suggestion. Also forgot to mention, I have never received anything in writing from Pro Collect Inc. or the original debtor. Nothing in the mail from either. I don't believe they have my address.

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 2022-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is XXXX XXXX ands I am submitting this CFPB complaint as a follow up to the previoue CFPB complaint I submitted on XX/XX/XXXX. I sent a letter to the Credit Bureaus on XX/XX/XXXX requesting to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$92.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX and I am including these items once again.

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 2022-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is XXXX XXXX ands I am submitting this CFPB complaint as a follow up to the previoue CFPB complaint I submitted on XX/XX/XXXX. I sent a letter to the Credit Bureaus on XX/XX/XXXX requesting to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$92.00} XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX and I am including these items once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm 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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : DEPT OF EDUCATIONXXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$3800.00} ; DEPT OF EDUCATION/XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$3800.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$1300.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$2300.00} ; DEPT OF EDUCATIONXXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$6900.00} ; 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 explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted to the Credit Bureaus last XX/XX/2022. I discovered that some of the information being reported by some accounts on my credit report are incorrect when I reviewed it. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX These accounts are reporting erroneous information and I want the Credit Bureaus to correct these accounts.

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 2022-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted to the Credit Bureaus last XX/XX/2022. I discovered that some of the information being reported by some accounts on my credit report are incorrect when I reviewed it. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$24000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXXXXXX  Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX These accounts are reporting erroneous information and I want the Credit Bureaus to correct these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have contacted XXXX XXXX XXXX several times as well as all 3 major credit reporting agencies they failed to remove this information of reporting late payments XX/XX/XXXX Transunion and XXXX reporting 30 day late payments XX/XX/XXXX both companies are reporting 60 days late, XX/XX/XXXX Transunion XXXX reporting 60 days late XXXX reporting 30 days late, XX/XX/XXXX Transunion and XXXX reporting 30 days late. 
I recently received my credit report and noticed inaccuraies account # XXXX XXXX  XXXX  According to the F air Credit Act section 611 ( 5 ) ( A ) you required to prompt ly delete all information that is inaccurate, It is also that under FCRA15 U.S.C 1681 ALL derogatory accounts must be promptly removed. 
I AM NOW ENACTING MY CONSUMER AND CIVIKL RIGHTS TO COMPEL YOU TO ANNUL WITH PERMANENT DELETION OF THESE DEROGATORY REMARKS.

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 2022-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm 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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : DEPT OF EDUCATIONXXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$3800.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$3800.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$1300.00} ; DEPT OF EDUCATION/XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$2300.00} ; DEPT OF EDUCATION/XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$6900.00} ; XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my consumer rights to privacy and confidentiality under 15 USC 1581. 

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 XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is not a duplicate complaint and this complaint due to the ne evidence that I have generated from legal sources. Please note, I'm representing myself with no third party and I know my rights very well, I been turned down by Transunion Credit Bureau to do fair investigation regarding Public record on my report, I have sent letters trying to get correct information and verifiable information from XXXX but it turns out being refused or ignored. 
So, XX/XX/2022, I went to the courthouse asking do the report bankruptcy to the credit bureaus and I got a letter stating : They DO NOT REPORT any bankruptcies to anybody So If this the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate?? They never did a fair investigation according to the 15 USC 1681. I have attached here all supportive documents for my statement : letter to the court and letter that I received from them at the same day by written by clerk of courthouse.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

According to : 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.

According to : 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.

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 2022-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I deposited checks at my Fifth third Bank account in 2019 which was given to me by my brother and relatives to buy my house as I was low on my down payment. The Bank put on hold for one month. Then they said they sent one of the checks to IRS in amount of {$7000.00}. I called several times to the bank which they keep saying to contact IRS. I have been talking with IRS live agent and sending mail butThey are saying that they didnt get any source of the check which was sent to IRS by Fifth Third Bank XXXX 
The contact person for Fifth Third Bank is XXXX XXXX. She can be reached at XXXX XXXX XXXX. 
I humbly would like to request if you can help me where the check is and how do I get back. 
Thank you for all your helps. 
Here is My informations Name : XXXX XXXX XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX. XXXX  XXXX Phone XXXX XXXX XXXX Email XXXX Sincerely XXXX XXXX

Company response to consumer: Closed with explanation